Dodge Caliber Insurance Rates

U.S. average auto insurance rates for a Dodge Caliber are $894 annually with full coverage. Comprehensive costs approximately $124 each year, collision costs $160, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing around $1,920. Teenage drivers pay the highest rates at $3,692 a year or more.

Average premium for full coverage: $894

Price estimates by individual coverage:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Caliber models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have fewer collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details estimated Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The best discount rate is $551
• Raising to $1,000 deductibles will save $66 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $894
• Using low deductibles will cost $1,016
• Drivers who are prone to accidents and violations could pay around $1,920 or more
• The price with full coverage for a 16-year-old driver can cost $3,692

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Insurance prices for a Dodge Caliber are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,100 to $1,500 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $190 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find prices as low as $650 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,210 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2007 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Low Cost Dodge Caliber Insurance

Getting lower rates on insurance for a Dodge Caliber consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $100 per year simply by quoting online in advance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,030 more per year to insure their Caliber
• Increasing physical damage deductibles could save up to $200 each year
• Teen drivers are the costliest to insure, costing up to $308 a month if they have full coverage