Dodge Caliber Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 16, 2024
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The average insurance prices for a Dodge Caliber are $894 every 12 months for full coverage insurance. Comprehensive insurance costs on average $124 each year, collision insurance costs $160, and liability is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $1,920 or more. Teenage drivers cost the most to insure at up to $3,692 a year.
Average premium for full coverage: $894
Policy rates by type of insurance:
Full coverage includes $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Caliber models.
Price Range Variability
Using a middle-aged driver as an example, Dodge Caliber insurance rates range from the cheapest price of $504 for liability-only coverage to a high rate of $1,920 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.
The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using average rates.
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.
Additional Charts and Tables
The chart below illustrates average Dodge Caliber insurance rates for different risk profiles and scenarios.
- The best discount rate is $551
- Raising to $1,000 deductibles will save around $66 each year
- The average price for a good driver age 40 with $500 deductibles is $894
- Using low deductibles costs an extra $122 every year
- At-risk drivers who are prone to accidents and violations could pay upwards of $1,920
- Policy cost to insure a teen driver may cost $3,692
Insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Caliber.
Using high physical damage deductibles can reduce rates by up to $190 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards 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 are probably paying at a minimum $1,100 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find rates as low as $590 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,210 on average in Michigan, New York, 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% |
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 Shop for More Affordable Dodge Caliber Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and determing if full coverage is necessary. Take the time to comparison shop once a year by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The following is a summary of the data that was touched on in the above illustrations.
- It is possible to save as much as $100 per year just by quoting online in advance
- Policyholders who require higher liability limits will pay an extra $500 annually to raise from a 30/60 limit to a 250/500 level
- Teens pay the highest rates, possibly costing $308 each month if they have full coverage
- Higher risk drivers who have multiple accidents or major violations pay on average $1,030 more each year for Caliber insurance
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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