Dodge Caliber Insurance Rates
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UPDATED: Aug 23, 2022
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U.S. average insurance rates for a Dodge Caliber are $924 a year for full coverage insurance. Comprehensive insurance costs around $128 each year, collision insurance costs $170, and liability insurance costs around $468. A policy with just liability insurance costs as low as $518 a year, and coverage for high-risk drivers costs $1,998 or more. Teens pay the highest rates at up to $3,830 a year.
Average premium for full coverage: $924
Price estimates for individual coverage:
Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Caliber models.
Price Range from Low to High
For the normal driver, Dodge Caliber insurance prices range from the low end price of $518 for the bare minimum liability coverage to a high rate of $1,998 for a high-risk insurance policy.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why all drivers should compare prices for a specific zip code, rather than relying on averaged prices.
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 illustrates average Dodge Caliber insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $567
- Using higher $1,000 deductibles will save about $66 each year
- The estimated price for the average middle-age driver using $500 deductibles is $924
- Selecting low deductibles for physical damage coverage will cost an additional $130 a year
- Drivers with serious driving violations could pay at least $1,998
- The price that insures a teen driver can be $3,830 or more
Insurance prices for a Dodge Caliber are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age
The state you live in has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,250 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $200 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $421 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 | $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 Affordable Dodge Caliber Insurance
Getting lower rates on Dodge Caliber insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare rates at least every other year by quoting rates from direct insurance companies, and also from insurance agencies where you live.
Below is a brief review of the car insurance concepts presented in the illustrations above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,070 more every year for auto insurance
- It is possible to save up to $100 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $200 each year
- Drivers who may need higher levels of liability will pay approximately $520 annually to increase from a low limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,054 |
| $250 | $996 |
| $500 | $924 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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