Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months for full coverage. Comprehensive costs approximately $114 a year, collision insurance costs $152, and liability coverage costs around $446. Liability-only insurance costs as low as $500 a year, and high-risk driver insurance costs around $1,874. Teen drivers cost the most to insure at up to $3,626 a year.

Average premium for full coverage: $870

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to compare prices using their specific location and their own driving history, rather than using price averages.

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

Additional Rate Details

The chart below shows average Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $537
• Using higher $1,000 deductibles will save $808 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $870
• Choosing low $100 deductibles for physical damage coverage increases the price to $984
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,874
• Policy cost to insure a teenage driver can cost $3,626 or more

View Chart as Image

Auto insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your driver profile, and the model of your Caliber.

Choosing high deductibles could cut rates by as much as $180 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have 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 were responsible for an accident, you could be paying anywhere from $1,000 to $1,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 41% to 128% more than average. View High Risk Driver Rates

Your home state has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see rates as low as $580 a year in states like Iowa, Maine, and Idaho, or as much as $1,240 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for Cheap Dodge Caliber Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a brief summary of the information touched on above.

• Drivers can save around $90 per year just by quoting early and online
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $302 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $175 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,000 more per year than a safer driver
• Consumers who purchase an increased level of liability coverage will pay about $490 each year to increase from a 30/60 limit to a 250/500 level