Dodge Caliber Insurance Rates

Estimated insurance rates for a Dodge Caliber are $894 a year for full coverage insurance. Comprehensive costs an estimated $124 a year, collision costs $160, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $1,920. Teenage drivers pay the most at $3,692 a year or more.

Average premium for full coverage: $894

Premium estimates broken down by type of coverage:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Caliber trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates estimated Dodge Caliber insurance rates for other coverage scenarios.

• The best discount rate is $551
• Drivers who choose higher $1,000 deductibles will pay approximately $828 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $894
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,016
• High risk drivers who are prone to accidents and violations could pay up to $1,920 or more
• An auto insurance policy that insures a teen driver can cost as much as $3,692 a year

View Chart as Image

Insurance prices for a Dodge Caliber also have a wide range based on the trim level of your Caliber, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,100 to $1,500 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $3,600 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $590 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,210 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $190 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 Cheaper Dodge Caliber Insurance

Finding better rates on Dodge Caliber insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from local insurance agencies.

The following is a condensed summary of the information covered in the charts and tables above.

• It is possible to save approximately $100 per year simply by quoting early and online
• Teens are charged the highest prices, with premiums being up to $308 per month if full coverage is included
• Increasing policy deductibles can save approximately $200 each year
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,030 more annually for Caliber insurance
• Drivers who want higher liability limits will pay an extra $500 annually to go from 30/60 bodily injury limits to the 250/500 level