Dodge Caliber Insurance Rates

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

Average premium for full coverage: $870

Policy rates by type of insurance:

Prices include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

The chart below illustrates average Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $537
• Using higher $1,000 deductibles will save $62 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $870
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $114 a year
• Drivers with serious driving violations could pay around $1,874
• Policy cost for full coverage for a teen driver with full coverage can cost $3,626 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $800 a year, 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 has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see rates as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $180 each year, while increasing your policy's liability limits will push rates upward. Switching 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 are probably paying anywhere from $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance can be anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

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 Right Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and attention to physical damage deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the information covered in the charts and tables above.

• It is possible to save around $90 per year just by shopping early and online
• Teens pay the highest auto insurance rates, possibly costing $302 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $175 each year
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,000 more per year for Caliber insurance
• Drivers who purchase higher liability limits will pay approximately $490 annually to increase from a 30/60 limit to 250/500 limits