Dodge Caliber Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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The average insurance rates for a Dodge Caliber are $924 a year including full coverage. Comprehensive insurance costs approximately $128 a year, collision costs $170, and liability costs around $468. Liability-only coverage costs as low as $518 a year, with high-risk coverage costing $1,998 or more. Teen drivers cost the most to insure at $3,830 a year or more.

Average premium for full coverage: $924

Policy rates by type of insurance:

Comprehensive $128
Collision $170
Liability $468

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Caliber trim levels.

Price Range Variability

For the average 40-year-old driver, Dodge Caliber insurance rates go from the low end price of $518 for basic liability insurance to a high of $1,998 for a driver required to buy high-risk insurance.

Liability Only $518
Full Coverage $924
High Risk $1,998

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $693
Small Cities $970
Large Cities $1,247

The examples above highlight why it is important to compare prices using their specific location, instead of using price averages.

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.

Rate Comparisons

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

  • The lowest rate with discounts is $567
  • Using higher $1,000 deductibles will save $858 every year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $924
  • Choosing low $100 deductibles for physical damage coverage will cost an additional $130 every year
  • Drivers with multiple violations and an at-fault accident could pay around $1,998 or more
  • Policy cost that insures a teen driver can cost $3,830 or more

View Chart as Image

Dodge Caliber insurance cost comparison chart
Column chart showing full coverage Dodge Caliber insurance prices range from $567 to $3,830

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 132% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,320 on average in Louisiana, New York, and Michigan.

Dodge Caliber Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $838 -$86 -9.3%
Alaska $710 -$214 -23.2%
Arizona $768 -$156 -16.9%
Arkansas $924 -$0 0.0%
California $1,054 $130 14.1%
Colorado $886 -$38 -4.1%
Connecticut $954 $30 3.2%
Delaware $1,050 $126 13.6%
Florida $1,160 $236 25.5%
Georgia $854 -$70 -7.6%
Hawaii $664 -$260 -28.1%
Idaho $626 -$298 -32.3%
Illinois $692 -$232 -25.1%
Indiana $696 -$228 -24.7%
Iowa $624 -$300 -32.5%
Kansas $882 -$42 -4.5%
Kentucky $1,262 $338 36.6%
Louisiana $1,370 $446 48.3%
Maine $574 -$350 -37.9%
Maryland $762 -$162 -17.5%
Massachusetts $740 -$184 -19.9%
Michigan $1,608 $684 74.0%
Minnesota $774 -$150 -16.2%
Mississippi $1,110 $186 20.1%
Missouri $822 -$102 -11.0%
Montana $996 $72 7.8%
Nebraska $732 -$192 -20.8%
Nevada $1,110 $186 20.1%
New Hampshire $668 -$256 -27.7%
New Jersey $1,036 $112 12.1%
New Mexico $822 -$102 -11.0%
New York $976 $52 5.6%
North Carolina $534 -$390 -42.2%
North Dakota $758 -$166 -18.0%
Ohio $640 -$284 -30.7%
Oklahoma $952 $28 3.0%
Oregon $848 -$76 -8.2%
Pennsylvania $882 -$42 -4.5%
Rhode Island $1,238 $314 34.0%
South Carolina $838 -$86 -9.3%
South Dakota $782 -$142 -15.4%
Tennessee $812 -$112 -12.1%
Texas $1,116 $192 20.8%
Utah $684 -$240 -26.0%
Vermont $634 -$290 -31.4%
Virginia $554 -$370 -40.0%
Washington $716 -$208 -22.5%
West Virginia $848 -$76 -8.2%
Wisconsin $640 -$284 -30.7%
Wyoming $826 -$98 -10.6%

View Chart as Image

Dodge Caliber insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $200 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $421 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Dodge Caliber Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Caliber Express $908 $76
Dodge Caliber Heat $908 $76
Dodge Caliber SE $908 $76
Dodge Caliber Mainstreet $936 $78
Dodge Caliber Rush $936 $78
Dodge Caliber SXT $936 $78
Dodge Caliber Uptown $936 $78
Dodge Caliber R/T $952 $79

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.

Dodge Caliber Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Dodge Caliber $156 $252 $474 $1,040
2010 Dodge Caliber $150 $228 $478 $1,014
2009 Dodge Caliber $140 $210 $474 $982
2008 Dodge Caliber $132 $190 $474 $954
2007 Dodge Caliber $128 $170 $468 $924

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 the Best Cheap Dodge Caliber Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The points below are a quick review of the data touched on in this article.

  • Policyholders who purchase increased liability limits will pay about $520 per year to increase from a 30/60 limit to the 250/500 level
  • You may be able to save around $100 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $200 each year
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $319 each month if comprehensive and collision insurance is included

Rates by Driver Age

Dodge Caliber Insurance Rates by Driver Age
Driver Age Premium
16 $3,830
20 $2,128
30 $936
40 $924
50 $852
60 $834

Full coverage, $500 deductibles

Rates by Deductible

Dodge Caliber Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,054
$250 $996
$500 $924
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Dodge Caliber Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $924
50/100 $1,046
100/300 $1,163
250/500 $1,467
100 CSL $1,092
300 CSL $1,350
500 CSL $1,537

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Caliber Insurance Rates for High Risk Drivers
Age Premium
16 $5,374
20 $3,394
30 $2,006
40 $1,998
50 $1,912
60 $1,892

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.

SR-22 Surcharge $124

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $57
Paid in Full/EFT $31
Advance Quote $40
Online Quote $61
Total Discounts $357
Rate after discounts $567

Discounts are estimated and may not be available from every company or in every state.

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