Dodge Caliber Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for a Dodge Caliber are $910 a year for full coverage. Comprehensive costs around $126 each year, collision insurance costs $166, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $1,962. Teen drivers receive the highest rates at up to $3,768 a year.
Average premium for full coverage: $910
Rate estimates for individual coverage type:
Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Caliber models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $510 for the bare minimum liability coverage to a high rate of $1,962 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.
These examples show why all drivers should compare prices for a specific zip code, 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.
Additional Rate Information
The chart below shows average Dodge Caliber insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $559
- Using higher $1,000 deductibles will save about $66 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $910
- Choosing low deductibles for physical damage coverage bumps up the cost to $1,036
- Drivers with multiple violations and an at-fault accident could pay at least $1,962
- The cost that insures a teen driver can be $3,768 or more
Insurance rates for a Dodge Caliber can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 134% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $3,700 a year. View Rates by Age
Where you live has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see rates as low as $600 a year in states like Idaho, Maine, and Iowa, or as much as $1,300 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $824 | -$86 | -9.5% |
| Alaska | $698 | -$212 | -23.3% |
| Arizona | $756 | -$154 | -16.9% |
| Arkansas | $910 | -$0 | 0.0% |
| California | $1,038 | $128 | 14.1% |
| Colorado | $872 | -$38 | -4.2% |
| Connecticut | $938 | $28 | 3.1% |
| Delaware | $1,030 | $120 | 13.2% |
| Florida | $1,140 | $230 | 25.3% |
| Georgia | $840 | -$70 | -7.7% |
| Hawaii | $654 | -$256 | -28.1% |
| Idaho | $618 | -$292 | -32.1% |
| Illinois | $678 | -$232 | -25.5% |
| Indiana | $686 | -$224 | -24.6% |
| Iowa | $614 | -$296 | -32.5% |
| Kansas | $866 | -$44 | -4.8% |
| Kentucky | $1,244 | $334 | 36.7% |
| Louisiana | $1,348 | $438 | 48.1% |
| Maine | $562 | -$348 | -38.2% |
| Maryland | $752 | -$158 | -17.4% |
| Massachusetts | $730 | -$180 | -19.8% |
| Michigan | $1,584 | $674 | 74.1% |
| Minnesota | $764 | -$146 | -16.0% |
| Mississippi | $1,092 | $182 | 20.0% |
| Missouri | $808 | -$102 | -11.2% |
| Montana | $980 | $70 | 7.7% |
| Nebraska | $720 | -$190 | -20.9% |
| Nevada | $1,094 | $184 | 20.2% |
| New Hampshire | $656 | -$254 | -27.9% |
| New Jersey | $1,018 | $108 | 11.9% |
| New Mexico | $808 | -$102 | -11.2% |
| New York | $960 | $50 | 5.5% |
| North Carolina | $524 | -$386 | -42.4% |
| North Dakota | $746 | -$164 | -18.0% |
| Ohio | $632 | -$278 | -30.5% |
| Oklahoma | $938 | $28 | 3.1% |
| Oregon | $834 | -$76 | -8.4% |
| Pennsylvania | $870 | -$40 | -4.4% |
| Rhode Island | $1,216 | $306 | 33.6% |
| South Carolina | $826 | -$84 | -9.2% |
| South Dakota | $768 | -$142 | -15.6% |
| Tennessee | $798 | -$112 | -12.3% |
| Texas | $1,098 | $188 | 20.7% |
| Utah | $676 | -$234 | -25.7% |
| Vermont | $624 | -$286 | -31.4% |
| Virginia | $546 | -$364 | -40.0% |
| Washington | $706 | -$204 | -22.4% |
| West Virginia | $834 | -$76 | -8.4% |
| Wisconsin | $632 | -$278 | -30.5% |
| Wyoming | $812 | -$98 | -10.8% |
Choosing high deductibles could cut rates by as much as $200 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per 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 | $894 | $75 |
| Dodge Caliber Heat | $894 | $75 |
| Dodge Caliber SE | $894 | $75 |
| Dodge Caliber Mainstreet | $922 | $77 |
| Dodge Caliber Rush | $922 | $77 |
| Dodge Caliber SXT | $922 | $77 |
| Dodge Caliber Uptown | $922 | $77 |
| Dodge Caliber R/T | $938 | $78 |
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 | $150 | $228 | $478 | $1,014 |
| 2010 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2009 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2008 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2007 Dodge Caliber | $126 | $166 | $460 | $910 |
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
Saving money on car insurance requires being a low-risk driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Shop around at least once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a quick review of the primary concepts that were touched on in this article.
- Drivers can save up to $100 per year just by quoting online in advance
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,050 more every year to insure their Caliber
- Increasing deductibles can save approximately $200 each year
- Teen drivers pay higher rates, costing as high as $314 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,768 |
| 20 | $2,094 |
| 30 | $920 |
| 40 | $910 |
| 50 | $838 |
| 60 | $820 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,036 |
| $250 | $980 |
| $500 | $910 |
| $1,000 | $844 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $910 |
| 50/100 | $1,030 |
| 100/300 | $1,145 |
| 250/500 | $1,444 |
| 100 CSL | $1,076 |
| 300 CSL | $1,329 |
| 500 CSL | $1,513 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,288 |
| 20 | $3,336 |
| 30 | $1,972 |
| 40 | $1,962 |
| 50 | $1,880 |
| 60 | $1,862 |
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 | $45 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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