Dodge Caliber Insurance Rates

Estimated insurance rates for a Dodge Caliber are $894 a year including full coverage. Comprehensive costs around $124 each year, collision costs $160, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $1,920. Teen drivers pay the most at $3,692 a year or more.

Average premium for full coverage: $894

Premium estimates for type of coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Caliber models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why all drivers should get quotes for a specific zip code, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $551
• Choosing higher $1,000 deductibles can save about $66 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $894
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,016
• High-risk insureds with multiple violations and an at-fault accident could pay at least $1,920 or more
• An auto insurance policy that insures a teen driver can be $3,692 each year

View Chart as Image

Auto insurance prices for a Dodge Caliber also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,100 to $1,500 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 137% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $3,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Caliber insurance rates. A good driver about age 40 could pay as low as $690 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,280 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $190 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices will be substantially 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 the Right Dodge Caliber Insurance

Finding better rates on Dodge Caliber insurance takes having a decent driving record, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a quick rundown of the information presented in the illustrations above.

• You may be able to save up to $100 per year simply by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, with the cost nearing $308 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $200 each year
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,030 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay about $500 per year to raise limits from 30/60 bodily injury limits to the 250/500 level