Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year for full coverage. Comprehensive insurance costs around $114, collision costs $152, and liability costs around $446. Liability-only coverage costs as low as $500 a year, with high-risk coverage costing $1,874 or more. Teen drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates for type of insurance:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using price averages.

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

Additional Rate Information

The chart below shows estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $537
• Using higher $1,000 deductibles will save about $62 a year
• The estimated price for a good driver age 40 using $500 deductibles is $870
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $114 every year
• Drivers with multiple violations and an at-fault accident could pay at least $1,874 or more
• Policy cost that insures a teen driver with full coverage can be $3,626 or more

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,000 to $1,500 additional every year, depending on your age. High-risk driver insurance can be as much as 41% to 128% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $3,600 a year. View Rates by Age

Your home state has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see rates as low as $580 a year in states like Idaho, Maine, and Iowa, or as much as $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $180 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied.

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 Find Cheaper Dodge Caliber Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every other policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

Below is a condensed summary of the ideas that were covered in the above illustrations.

• Teenage drivers are charged the highest rates, costing up to $302 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents pay on average $1,000 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• Drivers can save up to $90 per year simply by shopping early and online