Dodge Caliber Insurance Rates

Estimated auto insurance rates for a Dodge Caliber are $870 annually for full coverage. Comprehensive costs on average $114, collision costs $152, and liability coverage costs $446. A policy with only liability insurance costs as little as $500 a year, with a high-risk policy costing around $1,874. Teenage drivers pay the most at $3,626 a year or more.

Average premium for full coverage: $870

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Caliber trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Dodge Caliber insurance rates for different risk profiles and scenarios.

• The best discount rate is $537
• Drivers who choose higher $1,000 deductibles will pay around $62 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $870
• Using more expensive low deductibles for comprehensive and collision insurance will cost $984
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,874 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage may cost $3,626 a year

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Car insurance prices for a Dodge Caliber also have a wide range based on the model of your Caliber, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,000 to $1,500 extra annually, depending on your age. High-risk driver insurance can cost around 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $180 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $580 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,240 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially 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 the Best Dodge Caliber Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct carriers, and also from local insurance agents.

The points below are a brief recap of the primary concepts that were illustrated above.

• Drivers can save as much as $90 per year simply by shopping early and online
• Drivers who tend to receive serious violations may be required to pay an average of $1,000 more each year to insure a Dodge Caliber
• Increasing policy deductibles could save up to $175 each year
• Drivers under the age of 20 are expensive to insure, as much as $302 per month if comprehensive and collision insurance is included