Dodge Caliber Insurance Rates

Estimated insurance prices for a Dodge Caliber are $870 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $114, collision costs $152, and liability insurance costs $446. Liability-only insurance costs as little as $500 a year, with high-risk driver insurance costing $1,874 or more. Teenage drivers pay the most at $3,626 a year or more.

Average premium for full coverage: $870

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Caliber trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $537
• Drivers who choose higher $1,000 deductibles will pay $62 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $870
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $114 a year
• High risk drivers who are prone to accidents and violations could pay around $1,874 or more
• An auto insurance policy to insure a teen driver with full coverage can cost $3,626 a year

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Insurance prices for a Dodge Caliber also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Caliber.

Using high physical damage deductibles could save up to $180 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $402 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,000 to $1,500 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 41% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Caliber insurance rates. A 40-year-old driver could pay as low as $570 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,180 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices will be substantially different.

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 Cheaper Dodge Caliber Insurance

Finding better rates on Dodge Caliber insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the data illustrated above.

• Drivers who purchase an increased level of liability coverage will pay an extra $490 annually to go from 30/60 bodily injury limits to a 250/500 level
• It is possible to save around $90 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $175 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $302 per month if full coverage is included