Dodge Caliber Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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Estimated insurance rates for a Dodge Caliber are $894 a year with full coverage. Comprehensive insurance costs an estimated $124 a year, collision costs $160, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $1,920 or more. Teens pay the most at $3,692 a year or more.
Average premium for full coverage: $894
Premium estimates broken down by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Caliber trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Dodge Caliber go from as low as $504 for just liability insurance to a high of $1,920 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of using averaged prices.
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.
More Rate Details
The chart below details estimated Dodge Caliber insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $551
- Raising to $1,000 deductibles will save approximately $828 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $894
- Selecting low $100 deductibles will cost an extra $122 every year
- At-risk drivers with serious driving violations could pay up to $1,920 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $3,692
Auto insurance prices for a Dodge Caliber also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $3,600 a year. View Rates by Age
Where you choose to live also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find prices as low as $650 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,210 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $808 | -$86 | -9.6% |
| Alaska | $686 | -$208 | -23.3% |
| Arizona | $740 | -$154 | -17.2% |
| Arkansas | $894 | -$0 | 0.0% |
| California | $1,018 | $124 | 13.9% |
| Colorado | $852 | -$42 | -4.7% |
| Connecticut | $920 | $26 | 2.9% |
| Delaware | $1,010 | $116 | 13.0% |
| Florida | $1,118 | $224 | 25.1% |
| Georgia | $822 | -$72 | -8.1% |
| Hawaii | $642 | -$252 | -28.2% |
| Idaho | $604 | -$290 | -32.4% |
| Illinois | $664 | -$230 | -25.7% |
| Indiana | $672 | -$222 | -24.8% |
| Iowa | $602 | -$292 | -32.7% |
| Kansas | $850 | -$44 | -4.9% |
| Kentucky | $1,220 | $326 | 36.5% |
| Louisiana | $1,322 | $428 | 47.9% |
| Maine | $550 | -$344 | -38.5% |
| Maryland | $736 | -$158 | -17.7% |
| Massachusetts | $716 | -$178 | -19.9% |
| Michigan | $1,552 | $658 | 73.6% |
| Minnesota | $748 | -$146 | -16.3% |
| Mississippi | $1,068 | $174 | 19.5% |
| Missouri | $792 | -$102 | -11.4% |
| Montana | $958 | $64 | 7.2% |
| Nebraska | $706 | -$188 | -21.0% |
| Nevada | $1,070 | $176 | 19.7% |
| New Hampshire | $644 | -$250 | -28.0% |
| New Jersey | $998 | $104 | 11.6% |
| New Mexico | $790 | -$104 | -11.6% |
| New York | $940 | $46 | 5.1% |
| North Carolina | $516 | -$378 | -42.3% |
| North Dakota | $732 | -$162 | -18.1% |
| Ohio | $618 | -$276 | -30.9% |
| Oklahoma | $918 | $24 | 2.7% |
| Oregon | $818 | -$76 | -8.5% |
| Pennsylvania | $852 | -$42 | -4.7% |
| Rhode Island | $1,192 | $298 | 33.3% |
| South Carolina | $808 | -$86 | -9.6% |
| South Dakota | $752 | -$142 | -15.9% |
| Tennessee | $782 | -$112 | -12.5% |
| Texas | $1,078 | $184 | 20.6% |
| Utah | $662 | -$232 | -26.0% |
| Vermont | $610 | -$284 | -31.8% |
| Virginia | $534 | -$360 | -40.3% |
| Washington | $690 | -$204 | -22.8% |
| West Virginia | $818 | -$76 | -8.5% |
| Wisconsin | $618 | -$276 | -30.9% |
| Wyoming | $796 | -$98 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $190 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,100 to $1,500 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $878 | $73 |
| Dodge Caliber Heat | $878 | $73 |
| Dodge Caliber SE | $878 | $73 |
| Dodge Caliber Mainstreet | $902 | $75 |
| Dodge Caliber Rush | $902 | $75 |
| Dodge Caliber SXT | $902 | $75 |
| Dodge Caliber Uptown | $902 | $75 |
| Dodge Caliber R/T | $918 | $77 |
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 | $150 | $228 | $478 | $1,014 |
| 2011 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2010 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2009 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2008 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2007 Dodge Caliber | $124 | $160 | $452 | $894 |
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 the Best Dodge Caliber Insurance
Finding better rates on car insurance consists of having a decent driving record, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief recap of the data that was covered above.
- You may be able to save approximately $100 per year simply by quoting early and online
- Policyholders who want additional liability coverage will pay approximately $500 every year to raise from 30/60 bodily injury limits to 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $308 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $1,030 more annually than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,692 |
| 20 | $2,050 |
| 30 | $900 |
| 40 | $894 |
| 50 | $820 |
| 60 | $802 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,016 |
| $250 | $960 |
| $500 | $894 |
| $1,000 | $828 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $894 |
| 50/100 | $1,008 |
| 100/300 | $1,121 |
| 250/500 | $1,415 |
| 100 CSL | $1,054 |
| 300 CSL | $1,302 |
| 500 CSL | $1,483 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,180 |
| 20 | $3,264 |
| 30 | $1,926 |
| 40 | $1,920 |
| 50 | $1,840 |
| 60 | $1,822 |
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 | $44 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $30 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $343 |
Discounts are estimated and may not be available from every company or in every state.
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