Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year including full coverage. Comprehensive costs around $114 each year, collision costs $152, and liability coverage costs $446. A liability-only policy costs as little as $500 a year, with high-risk insurance costing around $1,874. 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 include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $537
• Drivers who choose higher $1,000 deductibles will pay about $62 every year
• The average rate for a good driver age 40 using $500 deductibles is $870
• Using low deductibles for comprehensive and collision insurance will increase the cost to $984
• High-risk insureds who are prone to accidents and violations could pay at least $1,874 or more
• Policy cost for full coverage for a teenage driver can be $3,626 a year

View Chart as Image

Car insurance rates for a Dodge Caliber also range considerably based on your risk profile, the model of your Caliber, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $3,600 a year. View Rates by Age

Your home state makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $180 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Find the Right Dodge Caliber Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the coverage data covered above.

• You may be able to save up to $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $175 each year
• Teen drivers are the costliest to insure, with premiums being up to $302 each month if full coverage is included
• Drivers with reckless driving or DUI convictions pay on average $1,000 more every year to insure their Caliber