Dodge Caliber Insurance Rates

The average auto insurance rates for a Dodge Caliber are $870 annually including full coverage. Comprehensive costs around $114, collision costs $152, and liability coverage is $446. Buying just liability costs around $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 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance rates.

The examples above highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.

• The best discount rate is $537
• Raising to $1,000 deductibles will save about $62 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $870
• Using pricier low deductibles will cost $984
• Unlucky drivers who are prone to accidents and violations could pay at least $1,874 or more
• Policy cost with full coverage for a teenage driver for full coverage can be $3,626

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Insurance rates for a Dodge Caliber also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $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 are likely paying at least $1,000 to $1,500 extra every year, depending on your age. Dodge Caliber insurance for high-risk drivers is expensive and can cost around 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $180 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,240 on average in Michigan, New York, and Louisiana.

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Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

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 Affordable Dodge Caliber Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the ideas that were touched on in this article.

• Teenagers pay higher rates, with premiums being up to $302 each month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,000 more every year for car insurance
• Increasing comprehensive and collision deductibles could save up to $175 each year
• You may be able to save up to $90 per year simply by quoting online well ahead of the renewal date