Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year for full coverage. Comprehensive insurance costs around $114 each year, collision costs $152, and liability costs $446. Buying just liability costs as little as $500 a year, with insurance for high-risk drivers costing $1,874 or more. 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:

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below shows 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 a year
• The average rate for a good driver age 40 using $500 deductibles is $870
• Using low deductibles for comprehensive and collision insurance will cost an extra $114 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,874 or more
• Policy cost for full coverage for a teen driver can be $3,626 a year

View Chart as Image

Insurance rates for a Dodge Caliber also range considerably based on your risk profile, the trim level of your Caliber, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,600 a year. View Rates by Age

Your home state makes a big difference in Dodge Caliber insurance prices. 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.

View Chart as Image

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

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

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates 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 More Affordable Dodge Caliber Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a summary of the car insurance concepts touched on in this article.

• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,000 more every year to buy Dodge Caliber insurance
• Drivers can save up to $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $175 each year
• Policyholders who may need increased levels of liability coverage will pay an extra $490 each year to go from a 30/60 limit to 250/500 limits