Dodge Caliber Insurance Rates

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

Average premium for full coverage: $870

Policy rates by type of insurance:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $537
• Choosing higher $1,000 deductibles can save $808 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $870
• Choosing low $100 deductibles for comp and collision coverage costs an additional $114 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $1,874 or more
• Policy cost with full coverage for a teen driver can cost $3,626 each year

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,500 extra every year, 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

Choosing high deductibles can save as much as $180 every year, while buying higher liability limits will push rates upward. Changing 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 plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, 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 Cheap Dodge Caliber Insurance

Finding cheaper rates on car insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief summary of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $90 per year simply by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,000 more per year to buy Dodge Caliber insurance
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $302 each month including comprehensive and collision insurance