Dodge Caliber Insurance Rates

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UPDATED: Apr 16, 2024

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U.S. average insurance rates for a Dodge Caliber are $870 a year including full coverage. Comprehensive costs around $114 each year, collision insurance costs $152, and liability coverage is $446. Liability-only coverage costs around $500 a year, and high-risk coverage costs around $1,874. Teenage drivers pay the highest rates at up to $3,626 a year.

Average premium for full coverage: $870

Price estimates for individual coverage:

Comprehensive $114
Collision $152
Liability $446

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Caliber models.

Price Range from Low to High

For the average driver, Dodge Caliber insurance prices range from the low end price of $500 for your basic liability-only policy to a high rate of $1,874 for a driver required to buy high-risk insurance.

Liability Only $500
Full Coverage $870
High Risk $1,874

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $653
Small Cities $914
Large Cities $1,175

The ranges above highlight why all drivers should compare rates quotes for a specific zip code, rather than using average rates.

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 additional coverage choices and driver risks.

  • The best discount rate is $537
  • Raising to $1,000 deductibles will save about $62 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $870
  • Using low deductibles bumps up the cost to $984
  • Unlucky drivers who are prone to accidents and violations could pay at least $1,874
  • The price that insures a teenage driver can be $3,626

View Chart as Image

Dodge Caliber insurance cost comparison chart
Column chart showing Dodge Caliber insurance rates range from $537 to $3,626 for full coverage

Auto insurance prices for a Dodge Caliber are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,000 to $1,500 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 128% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,600 a year. View Rates by Age

The state you live in also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find prices as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

Dodge Caliber Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $786 -$84 -9.7%
Alaska $668 -$202 -23.2%
Arizona $722 -$148 -17.0%
Arkansas $870 -$0 0.0%
California $992 $122 14.0%
Colorado $830 -$40 -4.6%
Connecticut $896 $26 3.0%
Delaware $986 $116 13.3%
Florida $1,090 $220 25.3%
Georgia $804 -$66 -7.6%
Hawaii $624 -$246 -28.3%
Idaho $588 -$282 -32.4%
Illinois $646 -$224 -25.7%
Indiana $654 -$216 -24.8%
Iowa $586 -$284 -32.6%
Kansas $828 -$42 -4.8%
Kentucky $1,188 $318 36.6%
Louisiana $1,288 $418 48.0%
Maine $538 -$332 -38.2%
Maryland $716 -$154 -17.7%
Massachusetts $696 -$174 -20.0%
Michigan $1,512 $642 73.8%
Minnesota $728 -$142 -16.3%
Mississippi $1,044 $174 20.0%
Missouri $770 -$100 -11.5%
Montana $934 $64 7.4%
Nebraska $688 -$182 -20.9%
Nevada $1,044 $174 20.0%
New Hampshire $628 -$242 -27.8%
New Jersey $976 $106 12.2%
New Mexico $770 -$100 -11.5%
New York $918 $48 5.5%
North Carolina $504 -$366 -42.1%
North Dakota $714 -$156 -17.9%
Ohio $600 -$270 -31.0%
Oklahoma $894 $24 2.8%
Oregon $796 -$74 -8.5%
Pennsylvania $830 -$40 -4.6%
Rhode Island $1,162 $292 33.6%
South Carolina $790 -$80 -9.2%
South Dakota $734 -$136 -15.6%
Tennessee $762 -$108 -12.4%
Texas $1,050 $180 20.7%
Utah $644 -$226 -26.0%
Vermont $598 -$272 -31.3%
Virginia $520 -$350 -40.2%
Washington $672 -$198 -22.8%
West Virginia $796 -$74 -8.5%
Wisconsin $602 -$268 -30.8%
Wyoming $776 -$94 -10.8%

View Chart as Image

Dodge Caliber insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $180 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Dodge Caliber Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Caliber Express $854 $71
Dodge Caliber Heat $854 $71
Dodge Caliber SE $854 $71
Dodge Caliber Mainstreet $878 $73
Dodge Caliber Rush $878 $73
Dodge Caliber SXT $878 $73
Dodge Caliber Uptown $878 $73
Dodge Caliber R/T $894 $75

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.

Dodge Caliber Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Dodge Caliber $140 $210 $474 $982
2011 Dodge Caliber $132 $190 $474 $954
2010 Dodge Caliber $128 $170 $468 $924
2009 Dodge Caliber $126 $166 $460 $910
2008 Dodge Caliber $124 $160 $452 $894
2007 Dodge Caliber $114 $152 $446 $870

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 the Cheapest Dodge Caliber Insurance

Getting lower rates on auto insurance consists of being a good driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare prices at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a recap of the data touched on above.

  • Consumers who may need an increased level of liability coverage will pay an extra $490 per year to raise from a low limit to the 250/500 level
  • You may be able to save up to $90 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $175 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $302 a month if the policy includes full coverage

Rates by Driver Age

Dodge Caliber Insurance Rates by Driver Age
Driver Age Premium
16 $3,626
20 $2,002
30 $878
40 $870
50 $802
60 $784

Full coverage, $500 deductibles

Rates by Deductible

Dodge Caliber Insurance Rates with Different Deductibles
Deductible Premium
$100 $984
$250 $932
$500 $870
$1,000 $808

Full coverage, driver age 40

Rates by Liability Limit

Dodge Caliber Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $870
50/100 $983
100/300 $1,095
250/500 $1,385
100 CSL $1,028
300 CSL $1,273
500 CSL $1,452

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Caliber Insurance Rates for High Risk Drivers
Age Premium
16 $5,082
20 $3,190
30 $1,880
40 $1,874
50 $1,794
60 $1,776

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.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $57
Total Discounts $333
Rate after discounts $537

Discounts are estimated and may not be available from every company or in every state.

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