Dodge Caliber Insurance Rates

U.S. average auto insurance rates for a Dodge Caliber are $870 annually for full coverage. Comprehensive insurance costs approximately $114, collision costs $152, and liability coverage costs around $446. A policy with just liability insurance costs as low as $500 a year, with coverage for high-risk drivers costing $1,874 or more. 16-year-old drivers pay the highest rates at $3,626 a year or more.

Average premium for full coverage: $870

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Caliber models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have fewer accident claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $537
• Using higher $1,000 deductibles will save $62 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $870
• Buying pricier low deductibles for physical damage coverage costs an additional $114 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $1,874 or more
• The price with full coverage for a teenage driver for full coverage can cost $3,626 or more

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Insurance prices for a Dodge Caliber are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $800 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $3,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,000 to $1,500 extra each year, depending on your age. Dodge Caliber insurance for high-risk drivers can be around 41% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $180 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $402 more per year. View Rates by Deductible or Liability Limit

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 $580 a year in states like Iowa, Maine, and Idaho, or at least $1,240 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different 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

Getting lower rates on auto insurance requires being a good driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the concepts that were presented in the illustrations above.

• Drivers with DUI or reckless driving convictions pay on average $1,000 more per year than a safer driver
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $302 a month including comprehensive and collision insurance
• Drivers can save around $90 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $175 each year
• Drivers can save around $90 per year simply by quoting online well ahead of the renewal date