Dodge Caliber Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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Average insurance rates for a Dodge Caliber are $894 a year including full coverage. Comprehensive insurance costs on average $124 each year, collision insurance costs $160, and liability coverage is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs $1,920 or more. 16-year-old drivers receive the highest rates at up to $3,692 a year.
Average premium for full coverage: $894
Rate estimates by individual coverage type:
Price estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Caliber models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $504 for your basic liability-only policy to a high rate of $1,920 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.
These examples highlight why all drivers should compare rates quotes based on a specific location, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down average Dodge Caliber insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $551
- Raising to $1,000 deductibles will save around $66 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $894
- Buying low deductibles will cost an additional $122 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $1,920
- The cost that insures a teenage driver may cost $3,692
Car insurance rates for a Dodge Caliber can also vary considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,100 to $1,500 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 137% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $3,600 a year. View Rates by Age
Where you live also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find rates as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,280 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $808 | -$86 | -9.6% |
| Alaska | $686 | -$208 | -23.3% |
| Arizona | $740 | -$154 | -17.2% |
| Arkansas | $894 | -$0 | 0.0% |
| California | $1,018 | $124 | 13.9% |
| Colorado | $852 | -$42 | -4.7% |
| Connecticut | $920 | $26 | 2.9% |
| Delaware | $1,010 | $116 | 13.0% |
| Florida | $1,118 | $224 | 25.1% |
| Georgia | $822 | -$72 | -8.1% |
| Hawaii | $642 | -$252 | -28.2% |
| Idaho | $604 | -$290 | -32.4% |
| Illinois | $664 | -$230 | -25.7% |
| Indiana | $672 | -$222 | -24.8% |
| Iowa | $602 | -$292 | -32.7% |
| Kansas | $850 | -$44 | -4.9% |
| Kentucky | $1,220 | $326 | 36.5% |
| Louisiana | $1,322 | $428 | 47.9% |
| Maine | $550 | -$344 | -38.5% |
| Maryland | $736 | -$158 | -17.7% |
| Massachusetts | $716 | -$178 | -19.9% |
| Michigan | $1,552 | $658 | 73.6% |
| Minnesota | $748 | -$146 | -16.3% |
| Mississippi | $1,068 | $174 | 19.5% |
| Missouri | $792 | -$102 | -11.4% |
| Montana | $958 | $64 | 7.2% |
| Nebraska | $706 | -$188 | -21.0% |
| Nevada | $1,070 | $176 | 19.7% |
| New Hampshire | $644 | -$250 | -28.0% |
| New Jersey | $998 | $104 | 11.6% |
| New Mexico | $790 | -$104 | -11.6% |
| New York | $940 | $46 | 5.1% |
| North Carolina | $516 | -$378 | -42.3% |
| North Dakota | $732 | -$162 | -18.1% |
| Ohio | $618 | -$276 | -30.9% |
| Oklahoma | $918 | $24 | 2.7% |
| Oregon | $818 | -$76 | -8.5% |
| Pennsylvania | $852 | -$42 | -4.7% |
| Rhode Island | $1,192 | $298 | 33.3% |
| South Carolina | $808 | -$86 | -9.6% |
| South Dakota | $752 | -$142 | -15.9% |
| Tennessee | $782 | -$112 | -12.5% |
| Texas | $1,078 | $184 | 20.6% |
| Utah | $662 | -$232 | -26.0% |
| Vermont | $610 | -$284 | -31.8% |
| Virginia | $534 | -$360 | -40.3% |
| Washington | $690 | -$204 | -22.8% |
| West Virginia | $818 | -$76 | -8.5% |
| Wisconsin | $618 | -$276 | -30.9% |
| Wyoming | $796 | -$98 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $190 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $878 | $73 |
| Dodge Caliber Heat | $878 | $73 |
| Dodge Caliber SE | $878 | $73 |
| Dodge Caliber Mainstreet | $902 | $75 |
| Dodge Caliber Rush | $902 | $75 |
| Dodge Caliber SXT | $902 | $75 |
| Dodge Caliber Uptown | $902 | $75 |
| Dodge Caliber R/T | $918 | $77 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Dodge Caliber | $150 | $228 | $478 | $1,014 |
| 2011 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2010 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2009 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2008 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2007 Dodge Caliber | $124 | $160 | $452 | $894 |
Rates are averaged for all Dodge Caliber models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Dodge Caliber Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a condensed summary of the material that was illustrated above.
- Consumers who require higher liability limits will pay around $500 per year to raise from a minimum limit to the 250/500 level
- Teens are expensive to insure, as much as $308 per month if full coverage is purchased
- Drivers with multiple at-fault accidents could be forced to pay on average $1,030 more each year for Caliber insurance
- Increasing deductibles can save approximately $200 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,692 |
| 20 | $2,050 |
| 30 | $900 |
| 40 | $894 |
| 50 | $820 |
| 60 | $802 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,016 |
| $250 | $960 |
| $500 | $894 |
| $1,000 | $828 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $894 |
| 50/100 | $1,008 |
| 100/300 | $1,121 |
| 250/500 | $1,415 |
| 100 CSL | $1,054 |
| 300 CSL | $1,302 |
| 500 CSL | $1,483 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,180 |
| 20 | $3,264 |
| 30 | $1,926 |
| 40 | $1,920 |
| 50 | $1,840 |
| 60 | $1,822 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $44 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $30 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $343 |
Discounts are estimated and may not be available from every company or in every state.
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