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 each year, collision costs $152, and liability insurance costs around $446. Liability-only insurance costs as low as $500 a year, with high-risk driver insurance costing $1,874 or more. 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:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Caliber models.

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 lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $537
• Using higher $1,000 deductibles will save $62 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $870
• Buying low deductibles for physical damage coverage will cost an additional $114 a year
• Drivers with multiple tickets or accidents could pay around $1,874 or more
• Policy cost that insures a teen driver can cost $3,626 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,000 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay 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 at least $1,180 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $180 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates 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 Affordable Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every couple of years by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief review of the material that was covered in the charts and tables above.

• Drivers who purchase additional liability coverage will pay around $490 annually to increase from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $302 each month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,000 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $175 each year