Dodge Caliber Insurance Rates
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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:
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.
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$54|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.