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 costs $446. A liability-only policy costs as little as $500 a year, with high-risk insurance costing around $1,874. Teen 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 policy deductibles, bodily injury liability limits of 30/60, 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 can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.

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

The examples above show why it is important to compare rates for a specific zip code, instead of making a decision based on price averages.

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 lowest rate with discounts 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
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $984
• Drivers with multiple violations and an at-fault accident could pay at least $1,874 or more
• Policy cost that insures a 16-year-old driver can be $3,626 a year

View Chart as Image

Car 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 from 41% to 128% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $3,600 a year. View Rates by Age

Your home state makes a big difference in Dodge Caliber insurance prices. A 40-year-old driver could pay as low as $580 a year in states like Idaho, Maine, and Iowa, or as much as $1,240 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $180 annually, 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 extra every 12 months. 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 from multiple companies. Every company uses a different rate calculation, so rate quotes 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 insurance for a Dodge Caliber not only requires being safe and accident-free, but also having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around every other policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a brief review of the ideas that were covered in the above illustrations.

• Youthful drivers are the costliest to insure, costing up to $302 each month if full coverage is purchased
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,000 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• Drivers can save up to $90 per year simply by quoting early and online