Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive insurance costs on average $114, collision costs $152, and liability costs around $446. Liability-only insurance costs as low as $500 a year, with high-risk driver insurance costing $1,874 or more. 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:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location and risk profile, 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 illustrates 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 $62 each year
• The average rate for a good driver age 40 with $500 deductibles is $870
• Buying pricier low deductibles for physical damage coverage will cost an extra $114 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,874 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $3,626 or more

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $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 $570 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,180 on average in Michigan, New York, and Florida.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,500 in extra premium every year, depending on your age. Dodge Caliber insurance for high-risk drivers can be from 41% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Cheap Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber requires being a good driver, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,000 more each year than a safer driver
• It is possible to save as much as $90 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $175 each year
• Insureds who require an increased level of liability coverage will pay around $490 annually to increase from a 30/60 limit to 250/500 limits