Dodge Caliber Insurance Rates

U.S. average insurance prices for a Dodge Caliber are $870 every 12 months with full coverage. Comprehensive insurance costs around $114 each year, collision insurance costs $152, and liability coverage costs around $446. Buying just liability costs as low as $500 a year, and insurance for high-risk drivers costs $1,874 or more. Teenage drivers pay the highest rates at up to $3,626 a year.

Average premium for full coverage: $870

Price estimates for individual coverage:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Caliber models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The best discount rate is $537
• Using higher $1,000 deductibles will save about $62 annually
• The average price for the average middle-age driver using $500 deductibles is $870
• Using low deductibles for physical damage coverage costs an extra $114 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,874
• The price to insure a teenage driver can be $3,626 or more

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

Using high physical damage deductibles could cut prices by as much as $180 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,000 to $1,500 additional each year, depending on your age. Insurance for high-risk drivers can be around 41% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see prices as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,180 on average in Florida, Michigan, and New York.

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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 the Best Dodge Caliber Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $90 per year just by quoting online in advance
• Drivers who tend to receive serious violations pay on average $1,000 more every year to insure their Caliber
• Increasing physical damage deductibles could save as much as $175 each year
• Teen drivers are charged the highest prices, costing up to $302 a month if full coverage is included