Dodge Caliber Insurance Rates

U.S. average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive insurance costs an estimated $114, collision costs $152, and liability costs $446. Buying just liability costs as little as $500 a year, with insurance for high-risk drivers costing $1,874 or more. Teenage drivers pay the highest rates at $3,626 a year or more.

Average premium for full coverage: $870

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Caliber trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Caliber insurance rates for other coverage scenarios.

• The best discount rate is $537
• Drivers who choose higher $1,000 deductibles will pay approximately $62 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $870
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $114 annually
• Drivers who are prone to accidents and violations could pay up to $1,874 or more
• The price that insures a 16-year-old driver with full coverage can cost as much as $3,626 a year

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Insurance prices for a Dodge Caliber are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,000 to $1,500 additional each year, depending on your age. High-risk driver insurance can cost from 41% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $3,600 a year. View Rates by Age

The state you live in makes a big difference in Dodge Caliber insurance prices. A 40-year-old driver could pay as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,180 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles could save up to $180 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $402 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different method to calculate prices, and prices may be quite 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 Cheaper Dodge Caliber Insurance

Getting lower rates on insurance for a Dodge Caliber not only requires having a decent driving record, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the information illustrated above.

• It is possible to save approximately $90 per year simply by shopping early and online
• 16 to 18-year-old drivers are expensive to insure, as much as $302 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $175 each year
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,000 more annually than a driver with a clean driving record
• Insureds who want additional liability coverage will pay an extra $490 annually to go from a low limit to the 250/500 level