Dodge Caliber Insurance Rates

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Compare 2012 Dodge Caliber Insurance Quotes in 2025

Trying to find better insurance prices for a Dodge Caliber could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to get price quotes on a Dodge and get the lowest possible price. Finding affordable coverage is easy if you know what you're doing. If you have insurance ...

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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...

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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:

Comprehensive $124
Collision $160
Liability $452

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.

Liability Only $504
Full Coverage $894
High Risk $1,920

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.

Rural Areas $671
Small Cities $939
Large Cities $1,207

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

View Chart as Image

Dodge Caliber insurance cost comparison chart
Column chart showing Dodge Caliber insurance prices range from $551 to $3,692 for full coverage

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.

Dodge Caliber Insurance Rates by State
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%

View Chart as Image

Dodge Caliber insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Caliber Insurance Rates by Model and Trim Level
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.

Dodge Caliber Insurance Rates by Model Year
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

Rates by Driver Age

Dodge Caliber Insurance 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

Dodge Caliber Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,016
$250 $960
$500 $894
$1,000 $828

Full coverage, driver age 40

Rates by Liability Limit

Dodge Caliber Insurance Rates with Different Liability Limits
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

Dodge Caliber Insurance 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.

SR-22 Surcharge $119

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
Rate after discounts $551

Discounts are estimated and may not be available from every company or in every state.

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