Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually with full coverage. Comprehensive insurance costs approximately $114 a year, collision insurance costs $152, and liability insurance costs $446. Liability-only coverage costs as little as $500 a year, and high-risk coverage costs $1,874 or more. Teens cost the most to insure at up to $3,626 a year.

Average premium for full coverage: $870

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $537
• Drivers who choose higher $1,000 deductibles will pay $808 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $870
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $114 a year
• High risk drivers with serious driving violations could pay around $1,874
• Policy cost with full coverage for a teen driver can cost $3,626 a year

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Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared 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 caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $180 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,180 on average in New York, Michigan, and Florida.

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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 Buy More Affordable Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the coverage data touched on in the above illustrations.

• You may be able to save around $90 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $175 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $302 each month if they have full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,000 more per year than a driver with a clean driving record