Dodge Caliber Insurance Rates

Average insurance rates for a Dodge Caliber are $870 a year with full coverage. Comprehensive insurance costs approximately $114, collision costs $152, and liability insurance is estimated at $446. A liability-only policy costs approximately $500 a year, with high-risk insurance costing $1,874 or more. Teens receive the highest rates at $3,626 a year or more.

Average premium for full coverage: $870

Rate estimates by individual coverage type:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Caliber models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why everyone should get quotes using their specific location, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $537
• Choosing higher $1,000 deductibles can save $62 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $870
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $114 a year
• High-risk insureds with serious driving violations could pay around $1,874 or more
• The cost that insures a teen driver for full coverage can cost $3,626 each year

View Chart as Image

Insurance rates for a Dodge Caliber can also vary considerably based on the model of your Caliber, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,000 to $1,500 extra per year, depending on your age. Dodge Caliber insurance for high-risk drivers ranges anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Caliber insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,180 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $180 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $402 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates can be significantly different.

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

Saving money on Dodge Caliber insurance takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a brief summary of the material that was touched on in this article.

• Drivers who purchase higher levels of liability will pay approximately $490 every year to raise limits from a minimum limit to the 250/500 level
• Teenage drivers are expensive to insure, with premiums as much as $302 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,000 more per year for auto insurance
• Increasing deductibles can save approximately $175 each year