Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year with full coverage. Comprehensive costs approximately $114 a year, collision costs $152, and liability insurance is $446. A liability-only policy costs around $500 a year, with high-risk insurance costing around $1,874. Teenage 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:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

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

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $537
• Raising to $1,000 deductibles will save $808 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $870
• Using low $100 deductibles will increase the cost to $984
• Higher-risk drivers who are prone to accidents and violations could pay around $1,874 or more
• Policy cost for full coverage for a teen driver can cost $3,626

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,600 a year. View Rates by Age

Your home state also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find rates as low as $630 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,180 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $180 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 the Cheapest Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a recap of the data that was covered in the charts and tables above.

• You may be able to save around $90 per year simply by quoting early and online
• Drivers who purchase higher liability limits will pay an extra $490 every year to raise from a 30/60 limit to 250/500 limits
• Teenagers pay the highest auto insurance rates, as much as $302 each month if full coverage is included
• High-risk drivers that have major violations or accidents pay on average $1,000 more per year for car insurance