Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months including full coverage. Comprehensive costs approximately $114, collision costs $152, and liability is estimated at $446. Buying just liability costs approximately $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:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Caliber trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, 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 estimated Dodge Caliber insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $537
• Choosing higher $1,000 deductibles can save $62 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $870
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $984
• Higher-risk drivers with serious driving violations could pay around $1,874 or more
• Policy cost to insure a 16-year-old driver with full coverage can cost $3,626 each year

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Insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Caliber.

Choosing higher comprehensive and collision insurance deductibles can save as much as $180 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark 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 likely paying anywhere from $1,000 to $1,500 extra every year, depending on your age. High-risk driver insurance ranges from 41% to 128% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,240 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Each auto insurer calculates rates differently, so the rates 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 Shop for More Affordable Dodge Caliber Insurance

Finding cheaper rates on insurance for a Dodge Caliber takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a summary of the car insurance concepts touched on above.

• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,000 more per year than a low-risk driver
• You may be able to save around $90 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $175 each year
• Insureds who purchase more liability protection will pay approximately $490 per year to raise limits from a 30/60 limit to a 250/500 level