Dodge Caliber Insurance Rates
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Michelle Robbins
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UPDATED: Apr 16, 2024
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Average insurance rates for a Dodge Caliber are $870 a year for full coverage. Comprehensive insurance costs on average $114 a year, collision insurance costs $152, and liability coverage is estimated at $446. A policy with just liability insurance costs approximately $500 a year, and coverage for high-risk drivers costs $1,874 or more. Teenage drivers receive the highest rates at up to $3,626 a year.
Average premium for full coverage: $870
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Caliber trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $500 for your basic liability-only policy to a high of $1,874 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why it is important to get quotes based on a specific location, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows 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 $808 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $870
- Using low $100 deductibles for comp and collision coverage will cost an additional $114 each year
- Drivers who are prone to accidents and violations could pay upwards of $1,874
- The cost that insures a teenage driver may cost $3,626 each year
Insurance rates for a Dodge Caliber can also vary considerably based on the trim level of your Caliber, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,000 to $1,500 additional per year, depending on your age. A high-risk auto insurance policy ranges around 41% to 128% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Dodge Caliber insurance rates. A good driver about age 40 could pay as low as $580 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,240 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$84 | -9.7% |
| Alaska | $668 | -$202 | -23.2% |
| Arizona | $722 | -$148 | -17.0% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $992 | $122 | 14.0% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $896 | $26 | 3.0% |
| Delaware | $986 | $116 | 13.3% |
| Florida | $1,090 | $220 | 25.3% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $624 | -$246 | -28.3% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $828 | -$42 | -4.8% |
| Kentucky | $1,188 | $318 | 36.6% |
| Louisiana | $1,288 | $418 | 48.0% |
| Maine | $538 | -$332 | -38.2% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $696 | -$174 | -20.0% |
| Michigan | $1,512 | $642 | 73.8% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,044 | $174 | 20.0% |
| Missouri | $770 | -$100 | -11.5% |
| Montana | $934 | $64 | 7.4% |
| Nebraska | $688 | -$182 | -20.9% |
| Nevada | $1,044 | $174 | 20.0% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $976 | $106 | 12.2% |
| New Mexico | $770 | -$100 | -11.5% |
| New York | $918 | $48 | 5.5% |
| North Carolina | $504 | -$366 | -42.1% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $600 | -$270 | -31.0% |
| Oklahoma | $894 | $24 | 2.8% |
| Oregon | $796 | -$74 | -8.5% |
| Pennsylvania | $830 | -$40 | -4.6% |
| Rhode Island | $1,162 | $292 | 33.6% |
| South Carolina | $790 | -$80 | -9.2% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $762 | -$108 | -12.4% |
| Texas | $1,050 | $180 | 20.7% |
| Utah | $644 | -$226 | -26.0% |
| Vermont | $598 | -$272 | -31.3% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $672 | -$198 | -22.8% |
| West Virginia | $796 | -$74 | -8.5% |
| Wisconsin | $602 | -$268 | -30.8% |
| Wyoming | $776 | -$94 | -10.8% |
Using high physical damage deductibles can save as much as $180 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $402 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $854 | $71 |
| Dodge Caliber Heat | $854 | $71 |
| Dodge Caliber SE | $854 | $71 |
| Dodge Caliber Mainstreet | $878 | $73 |
| Dodge Caliber Rush | $878 | $73 |
| Dodge Caliber SXT | $878 | $73 |
| Dodge Caliber Uptown | $878 | $73 |
| Dodge Caliber R/T | $894 | $75 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2011 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2010 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2009 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2008 Dodge Caliber | $124 | $160 | $452 | $894 |
| 2007 Dodge Caliber | $114 | $152 | $446 | $870 |
Rates are averaged for all Dodge Caliber models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Dodge Caliber Insurance
Saving money on auto insurance takes having a decent driving record, having a good credit score, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare prices at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a summary of the data covered above.
- Consumers who require additional liability coverage will pay an extra $490 each year to raise limits from a minimum limit to the 250/500 level
- Drivers can save as much as $90 per year just by quoting early and online
- Increasing deductibles can save approximately $175 each year
- 16 to 18-year-old drivers pay higher rates, costing as high as $302 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,626 |
| 20 | $2,002 |
| 30 | $878 |
| 40 | $870 |
| 50 | $802 |
| 60 | $784 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $984 |
| $250 | $932 |
| $500 | $870 |
| $1,000 | $808 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $983 |
| 100/300 | $1,095 |
| 250/500 | $1,385 |
| 100 CSL | $1,028 |
| 300 CSL | $1,273 |
| 500 CSL | $1,452 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,082 |
| 20 | $3,190 |
| 30 | $1,880 |
| 40 | $1,874 |
| 50 | $1,794 |
| 60 | $1,776 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $50 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $29 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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