Dodge Caliber Insurance Rates

U.S. average insurance rates for a Dodge Caliber are $894 a year including full coverage. Comprehensive costs approximately $124, collision insurance costs $160, and liability is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs around $1,920. Teens pay the highest rates at up to $3,692 a year.

Average premium for full coverage: $894

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Caliber trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below breaks down average Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $551
• Raising to $1,000 deductibles will save $66 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $894
• Selecting more expensive low deductibles bumps up the cost to $1,016
• Drivers with serious driving violations could pay around $1,920
• The price that insures a 16-year-old driver with full coverage can cost $3,692

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Insurance prices for a Dodge Caliber are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,100 to $1,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,600 a year. View Rates by Age

The state you live in also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find prices as low as $690 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,280 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $190 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

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 Best Dodge Caliber Insurance

Getting lower rates on insurance for a Dodge Caliber consists of being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a brief recap of the data that was covered in the above illustrations.

• You may be able to save around $100 per year just by shopping early and online
• Insureds who purchase an increased level of liability coverage will pay approximately $500 per year to raise from a low limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, possibly costing $308 a month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations will likely pay on average $1,030 more per year than a safer driver