Dodge Caliber Insurance Rates

Estimated insurance prices for a Dodge Caliber are $870 every 12 months for full coverage insurance. Comprehensive insurance costs around $114 each year, collision costs $152, and liability costs $446. A liability-only policy costs as little as $500 a year, with high-risk insurance costing $1,874 or more. Teenage drivers pay the most at $3,626 a year or more.

Average premium for full coverage: $870

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Caliber models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates 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 $62 each year
• The average price for a 40-year-old good driver using $500 deductibles is $870
• Using low deductibles for comprehensive and collision insurance costs an extra $114 annually
• Drivers who are prone to accidents and violations could pay at least $1,874 or more
• An auto insurance policy to insure a 16-year-old driver can be $3,626 a year

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Auto insurance prices for a Dodge Caliber also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could save up to $180 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $3,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 41% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Caliber insurance prices. A 40-year-old driver could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,180 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and quoted 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 Shop for the Best Dodge Caliber Insurance

Finding better rates on insurance for a Dodge Caliber not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief recap of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are expensive to insure, with premiums being up to $302 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,000 more every year to insure a Dodge Caliber
• Increasing policy deductibles could save as much as $175 each year
• It is possible to save up to $90 per year simply by quoting online in advance