Dodge Caliber Insurance Rates

The average insurance rates for a Dodge Caliber are $870 a year with full coverage. Comprehensive costs approximately $114, collision costs $152, and liability insurance is $446. Buying just liability costs around $500 a year, with insurance for high-risk drivers costing around $1,874. Teens cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 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 significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $537
• Raising to $1,000 deductibles will save $62 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $870
• Selecting pricier low deductibles will increase the cost to $984
• Higher-risk drivers with serious driving violations could pay around $1,874 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $3,626

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,600 a year. View Rates by Age

Your home state also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find rates 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $180 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,500 extra every year, depending on your age. Dodge Caliber insurance for high-risk drivers is expensive and can cost anywhere from 41% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied from one company to the next.

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 the Right Dodge Caliber Insurance

Finding cheaper rates on Dodge Caliber insurance consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every other policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are expensive to insure, as much as $302 each month for full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,000 more per year to insure a Dodge Caliber
• Increasing comprehensive and collision deductibles can save around $175 each year
• You may be able to save around $90 per year simply by quoting online well ahead of the renewal date