Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually including full coverage. Comprehensive insurance costs an estimated $114, collision costs $152, and liability is $446. A liability-only policy costs around $500 a year, with high-risk insurance costing $1,874 or more. Teenage drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

More Rate Details

The chart below breaks down estimated Dodge Caliber insurance rates for other coverage scenarios.

• The best discount rate is $537
• Raising to $1,000 deductibles will save approximately $62 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $870
• Using more expensive low deductibles costs an additional $114 every year
• At-risk drivers who are prone to accidents and violations could pay up to $1,874 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $3,626

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Car insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $180 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

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

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Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy the Cheapest Dodge Caliber Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $90 per year simply by shopping early and online
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,000 more annually for car insurance
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Teenagers have the highest car insurance rates, with premiums being up to $302 each month if comprehensive and collision insurance is included