Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually with full coverage. Comprehensive insurance costs around $114 each year, collision costs $152, and liability is $446. Buying just liability costs around $500 a year, with insurance for high-risk drivers costing $1,874 or more. Teenage drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates for type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below details estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The best discount rate is $537
• Raising to $1,000 deductibles will save about $62 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $870
• Using low deductibles costs an additional $114 annually
• Drivers who are prone to accidents and violations could pay at least $1,874 or more
• Policy cost with full coverage for a 16-year-old driver can be $3,626

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $3,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $180 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find rates as low as $630 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,180 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy Affordable Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber consists of being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the data covered in the above illustrations.

• Insureds who may need more liability coverage will pay an extra $490 every year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Teen drivers pay higher rates, as much as $302 each month including comprehensive and collision insurance