Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year with full coverage. Comprehensive costs an estimated $114 each year, collision costs $152, and liability is estimated at $446. A liability-only policy costs approximately $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 broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area, instead of making a decision based on average rates.

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

More Rate Details

The chart below details estimated Dodge Caliber insurance rates for other coverage scenarios.

• The best discount rate is $537
• Choosing higher $1,000 deductibles can save approximately $62 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $870
• Using low deductibles for comp and collision coverage bumps up the cost to $984
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,874 or more
• Policy cost that insures a 16-year-old driver can cost as much as $3,626 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers ranges from 41% to 128% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $3,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay 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 save as much as $180 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

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 Cheap Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber takes being safe and accident-free, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices every year by requesting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the coverage data touched on in the above illustrations.

• You may be able to save approximately $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• Youthful drivers have the highest car insurance rates, as much as $302 each month if full coverage is purchased
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,000 more annually than a low-risk driver