Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually for full coverage. Comprehensive costs on average $114 a year, collision costs $152, and liability costs around $446. Liability-only insurance costs as low as $500 a year, with high-risk driver insurance costing around $1,874. 16-year-old drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below shows estimated Dodge Caliber insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $537
• Using higher $1,000 deductibles will save around $808 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $870
• Buying low $100 deductibles for physical damage coverage will cost $984
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,874 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,626 or more

View Chart as Image

Auto insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,000 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 41% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $180 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

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 at least $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied 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 the Right Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the car insurance concepts touched on in this article.

• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,000 more each year to buy Dodge Caliber insurance
• Drivers can save as much as $90 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Insureds who require increased levels of liability coverage will pay around $490 each year to increase from a 30/60 limit to higher 250/500 limits