Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive costs on average $114 a year, collision costs $152, and liability costs around $446. Buying just liability costs as low as $500 a year, with insurance for high-risk drivers costing around $1,874. Teens cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why it is important to compare prices based on a specific location, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $537
• Using higher $1,000 deductibles will save around $808 each year
• The estimated price for a good driver age 40 with $500 deductibles is $870
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $984
• High-risk insureds with serious driving violations could pay upwards of $1,874 or more
• Policy cost that insures a 16-year-old driver may cost $3,626 or more

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on the trim level of your Caliber, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can be from 41% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,600 a year. View Rates by Age

Your home state has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see rates as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,180 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $180 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates rates differently, so the 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 the Cheapest Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber requires being safe and accident-free, having above-average credit, being claim-free, and bundling your home and auto policies. Compare rates every time your policy renews by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a recap of the information covered in the above illustrations.

• It is possible to save as much as $90 per year simply by quoting early and online
• Youthful drivers pay the highest rates, possibly costing $302 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,000 more each year than a low-risk driver
• Insureds who require more liability protection will pay approximately $490 annually to increase from a 30/60 limit to the 250/500 level