Dodge Caliber Insurance Rates

U.S. average insurance rates for a Dodge Caliber are $870 a year for full coverage insurance. Comprehensive costs an estimated $114 each year, collision costs $152, and liability costs around $446. Liability-only coverage costs as low as $500 a year, with high-risk coverage costing around $1,874. Teens pay the highest rates at $3,626 a year or more.

Average premium for full coverage: $870

Price estimates broken down by individual coverage:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Caliber models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location impacts insurance prices.

The ranges above illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Dodge Caliber insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $537
• Using higher $1,000 deductibles will save approximately $62 each year
• The average rate for the average middle-age driver who has $500 deductibles is $870
• Selecting low deductibles for physical damage coverage will increase the cost to $984
• High-risk insureds with serious driving violations could pay up to $1,874 or more
• The price for full coverage for a 16-year-old driver can cost as much as $3,626 or more

View Chart as Image

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

More mature drivers with a good driving record and high deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $3,600 a year. View Rates by Age

The state you live in has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see prices as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $180 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,000 to $1,500 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 41% to 128% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite different 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 Cheaper Dodge Caliber Insurance

Getting lower rates on insurance for a Dodge Caliber requires not taking risks behind the wheel, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a condensed summary of the ideas that were touched on above.

• Teens are the costliest to insure, as much as $302 a month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,000 more annually for Caliber insurance
• Increasing physical damage deductibles can save around $175 each year
• It is possible to save approximately $90 per year simply by quoting online in advance