Dodge Caliber Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 16, 2024
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Estimated insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive insurance costs on average $114 a year, collision costs $152, and liability is estimated at $446. A policy with only liability insurance costs approximately $500 a year, with a high-risk policy costing $1,874 or more. Teen drivers pay the most at $3,626 a year or more.
Average premium for full coverage: $870
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Caliber trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Dodge Caliber go from the low end price of $500 for a discount liability-only rate to a high of $1,874 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates how where you live affects car insurance rates.
These rate differences illustrate why it is important to get quotes based on a 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.
Rates by State, City, and Model
The chart below illustrates estimated Dodge Caliber insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $537
- Choosing higher $1,000 deductibles can save around $808 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $870
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $114 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $1,874 or more
- An auto insurance policy that insures a teen driver may cost $3,626 each year
Car insurance prices for a Dodge Caliber also have a wide range based on the trim level of your Caliber, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,000 to $1,500 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 128% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,180 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$84 | -9.7% |
| Alaska | $668 | -$202 | -23.2% |
| Arizona | $722 | -$148 | -17.0% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $992 | $122 | 14.0% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $896 | $26 | 3.0% |
| Delaware | $986 | $116 | 13.3% |
| Florida | $1,090 | $220 | 25.3% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $624 | -$246 | -28.3% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $828 | -$42 | -4.8% |
| Kentucky | $1,188 | $318 | 36.6% |
| Louisiana | $1,288 | $418 | 48.0% |
| Maine | $538 | -$332 | -38.2% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $696 | -$174 | -20.0% |
| Michigan | $1,512 | $642 | 73.8% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,044 | $174 | 20.0% |
| Missouri | $770 | -$100 | -11.5% |
| Montana | $934 | $64 | 7.4% |
| Nebraska | $688 | -$182 | -20.9% |
| Nevada | $1,044 | $174 | 20.0% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $976 | $106 | 12.2% |
| New Mexico | $770 | -$100 | -11.5% |
| New York | $918 | $48 | 5.5% |
| North Carolina | $504 | -$366 | -42.1% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $600 | -$270 | -31.0% |
| Oklahoma | $894 | $24 | 2.8% |
| Oregon | $796 | -$74 | -8.5% |
| Pennsylvania | $830 | -$40 | -4.6% |
| Rhode Island | $1,162 | $292 | 33.6% |
| South Carolina | $790 | -$80 | -9.2% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $762 | -$108 | -12.4% |
| Texas | $1,050 | $180 | 20.7% |
| Utah | $644 | -$226 | -26.0% |
| Vermont | $598 | -$272 | -31.3% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $672 | -$198 | -22.8% |
| West Virginia | $796 | -$74 | -8.5% |
| Wisconsin | $602 | -$268 | -30.8% |
| Wyoming | $776 | -$94 | -10.8% |
Choosing high deductibles can save as much as $180 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $854 | $71 |
| Dodge Caliber Heat | $854 | $71 |
| Dodge Caliber SE | $854 | $71 |
| Dodge Caliber Mainstreet | $878 | $73 |
| Dodge Caliber Rush | $878 | $73 |
| Dodge Caliber SXT | $878 | $73 |
| Dodge Caliber Uptown | $878 | $73 |
| Dodge Caliber R/T | $894 | $75 |
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 |
|---|---|---|---|---|
| 2012 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2011 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2010 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2009 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2008 Dodge Caliber | $124 | $160 | $452 | $894 |
| 2007 Dodge Caliber | $114 | $152 | $446 | $870 |
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 Cheap Dodge Caliber Insurance
Finding better rates on car insurance takes being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the ideas that were touched on in the above illustrations.
- Youthful drivers are expensive to insure, with premiums being up to $302 per month if full coverage is purchased
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,000 more each year than a low-risk driver
- Increasing policy deductibles can save approximately $175 each year
- It is possible to save as much as $90 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,626 |
| 20 | $2,002 |
| 30 | $878 |
| 40 | $870 |
| 50 | $802 |
| 60 | $784 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $984 |
| $250 | $932 |
| $500 | $870 |
| $1,000 | $808 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $983 |
| 100/300 | $1,095 |
| 250/500 | $1,385 |
| 100 CSL | $1,028 |
| 300 CSL | $1,273 |
| 500 CSL | $1,452 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,082 |
| 20 | $3,190 |
| 30 | $1,880 |
| 40 | $1,874 |
| 50 | $1,794 |
| 60 | $1,776 |
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 | $43 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $50 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $29 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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