Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months for full coverage. Comprehensive costs approximately $114 a year, collision costs $152, and liability is $446. Liability-only coverage costs around $500 a year, with high-risk coverage 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 by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $537
• Raising to $1,000 deductibles will save $808 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $870
• Using low $100 deductibles increases the price to $984
• Drivers who are prone to accidents and violations could pay around $1,874 or more
• Policy cost to insure a 16-year-old driver can cost $3,626

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your driver profile, and the model of your Caliber.

Using high physical damage deductibles can reduce rates by up to $180 annually, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 128% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find rates as low as $580 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,240 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and 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 Shop for More Affordable Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every other renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a summary of the concepts that were touched on above.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,000 more per year to buy Dodge Caliber insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $302 each month if full coverage is included
• Drivers can save around $90 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $175 each year
• Drivers can save around $90 per year simply by quoting early and online