Dodge Caliber Insurance Rates

Estimated 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 is estimated at $446. A liability-only policy costs approximately $500 a year, with high-risk insurance costing $1,874 or more. Teenage drivers pay the most at $3,626 a year or more.

Average premium for full coverage: $870

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Caliber models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

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

These rate differences illustrate why everyone should get quotes based on a specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $537
• Choosing higher $1,000 deductibles can save around $62 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $870
• Using pricier low deductibles for comp and collision coverage will cost an additional $114 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $1,874 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $3,626 each year

View Chart as Image

Auto insurance prices for a Dodge Caliber also have a wide range based on the model of your Caliber, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,000 to $1,500 in extra premium annually, depending on your age. Dodge Caliber insurance for high-risk drivers ranges as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $3,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,180 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $180 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

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 Best Cheap Dodge Caliber Insurance

Finding better rates on car insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a quick review of the material that was covered in the above illustrations.

• Policyholders who require higher levels of liability will pay an extra $490 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are charged the highest prices, with premiums being up to $302 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,000 more each year for auto insurance
• Increasing policy deductibles can save approximately $175 each year