Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year including full coverage. Comprehensive insurance costs an estimated $114 a year, collision insurance costs $152, and liability insurance costs $446. Liability-only coverage costs as little as $500 a year, and high-risk coverage costs $1,874 or more. Teens cost the most to insure at up to $3,626 a year.

Average premium for full coverage: $870

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

The examples above highlight why it is important to compare rates for a targeted area, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $537
• Drivers who choose higher $1,000 deductibles will pay approximately $808 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $870
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $114 a year
• High risk drivers with serious driving violations could pay up to $1,874
• Policy cost that insures a teen driver can cost as much as $3,626 a year

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on the trim level of your Caliber, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,000 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,600 a year. View Rates by Age

Your home state makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $180 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more each 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 Cheaper Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates once a year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following items are a condensed summary of the data that was illustrated above.

• You may be able to save approximately $90 per year just by quoting early and online
• Drivers who want additional liability coverage will pay approximately $490 per year to go from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $302 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,000 more annually than a driver with a clean driving record