Dodge Caliber Insurance Rates

U.S. average insurance rates for a Dodge Caliber are $870 a year including full coverage. Comprehensive insurance costs on average $114, collision insurance costs $152, and liability is estimated at $446. Liability-only coverage costs approximately $500 a year, and high-risk coverage 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 by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Caliber models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why everyone should get quotes based on a specific location, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down average Dodge Caliber insurance rates for different risk profiles and scenarios.

• The best discount rate is $537
• Choosing higher $1,000 deductibles can save around $62 every year
• The estimated price for the average middle-age driver with $500 deductibles is $870
• Using pricier low deductibles for comp and collision coverage will cost an additional $114 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $1,874
• The price that insures a teen driver for full coverage may cost $3,626 each year

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Auto insurance prices for a Dodge Caliber are also quite variable based on the model of your Caliber, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,000 to $1,500 in extra premium each year, depending on your age. Dodge Caliber insurance for high-risk drivers ranges as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $3,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles can save as much as $180 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 extra every year. View Rates by Deductible or Liability Limit

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 More Affordable Dodge Caliber Insurance

Getting lower rates on car insurance takes being a low-risk driver, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a summary of the material that was covered above.

• Policyholders who require more liability coverage will pay an extra $490 per year to raise limits from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, possibly costing $302 a month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,000 more each year to insure their Caliber
• Increasing physical damage deductibles can save approximately $175 each year