Dodge Caliber Insurance Rates

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

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code, rather than 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 $808 a year
• The estimated price for a good driver age 40 using $500 deductibles is $870
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $984
• High-risk insureds who are prone to accidents and violations could pay at least $1,874 or more
• Policy cost that insures a teenage driver can be $3,626 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,000 to $1,500 extra every year, depending on your age. A high-risk auto insurance policy can cost around 41% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records 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 rates. 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 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Affordable Dodge Caliber Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at least every other year by getting rate quotes from direct carriers, and also from several local insurance agents.

The next list is a brief review of the car insurance concepts raised in the charts and tables above.

• Drivers with DUI or reckless driving convictions pay on average $1,000 more every year to buy Dodge Caliber insurance
• Drivers can save up to $90 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• Consumers who may need increased levels of liability coverage will pay an extra $490 each year to go from a 30/60 limit to the 250/500 level