Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months for full coverage insurance. Comprehensive costs approximately $114 each year, collision costs $152, and liability coverage costs around $446. Liability-only coverage costs as low as $500 a year, with high-risk coverage costing around $1,874. Teen 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:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $537
• Using higher $1,000 deductibles will save $62 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $870
• Choosing low deductibles for physical damage coverage increases the price to $984
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,874 or more
• Policy cost to insure a teenage driver can cost $3,626 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $180 a year, whereas increasing liability limits will push rates upward. Switching 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

More mature drivers with no violations or accidents and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest 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 are probably paying anywhere from $1,000 to $1,500 additional every year, depending on your age. Insurance for high-risk drivers can be around 41% to 128% more than average. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, 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 the Best Dodge Caliber Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the data that was raised in the charts and tables above.

• It is possible to save around $90 per year simply by quoting online in advance
• Consumers who purchase more liability protection will pay about $490 annually to increase from a 30/60 limit to a 250/500 level
• Youthful drivers are the costliest to insure, possibly costing $302 each month if full coverage is included
• Drivers who tend to receive serious violations may have to pay on average $1,000 more per year than a low-risk driver