Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually with full coverage. Comprehensive costs on average $114 each year, collision costs $152, and liability insurance costs $446. A liability-only policy costs as little as $500 a year, with high-risk 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:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $537
• Drivers who choose higher $1,000 deductibles will pay around $62 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $870
• Buying low deductibles for comprehensive and collision insurance will cost $984
• High risk drivers with multiple tickets or accidents could pay upwards of $1,874 or more
• Policy cost with full coverage for a teen driver may cost $3,626 a year

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Car insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged 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 may be forking out at a minimum $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $180 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $630 a year in states like New Hampshire, Ohio, and Utah, or at least $1,180 on average in Florida, Michigan, and New York.

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Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so rate quotes 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 Low Cost Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a review of the primary concepts that were covered in the above illustrations.

• You may be able to save as much as $90 per year simply by quoting online in advance
• High-risk drivers who have several accidents or serious violations pay an average of $1,000 more each year to insure their Caliber
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Teen drivers are expensive to insure, as much as $302 each month if comprehensive and collision insurance is included