Dodge Caliber Insurance Rates

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

Average premium for full coverage: $870

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down average Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The best discount rate is $537
• Using higher $1,000 deductibles will save $62 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $870
• Using pricier low deductibles for physical damage coverage will cost an extra $114 a year
• Drivers who are prone to accidents and violations could pay around $1,874
• Policy cost for full coverage for a teen driver for full coverage can cost $3,626 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

Your home state has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see rates as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $180 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,000 to $1,500 additional every year, depending on your age. Dodge Caliber insurance for high-risk drivers can be anywhere from 41% to 128% more than a normal policy. View High Risk Driver Rates

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 Cheap Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance requires being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates every year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a brief summary of the coverage data covered in the above illustrations.

• You may be able to save around $90 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $175 each year
• Teenage drivers are the costliest to insure, with premiums being up to $302 each month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,000 more per year for auto insurance