Dodge Caliber Insurance Rates

The average insurance prices for a Dodge Caliber are $870 every 12 months with full coverage. Comprehensive costs on average $114 each year, collision costs $152, and liability costs around $446. A liability-only policy costs as low as $500 a year, with high-risk insurance costing around $1,874. Teen drivers cost the most to insure at $3,626 a year or more.

Average premium for full coverage: $870

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Caliber models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own driving history, instead of using price averages.

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

Rate Comparisons

The chart below details estimated Dodge Caliber insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $537
• Using higher $1,000 deductibles will save around $62 annually
• The average price for a good driver age 40 with $500 deductibles is $870
• Choosing low deductibles for physical damage coverage increases the price to $984
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,874 or more
• Policy cost to insure a teen driver may cost $3,626 or more

View Chart as Image

Car insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Caliber.

Choosing high deductibles could cut rates by as much as $180 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards 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 may be forking out at a minimum $1,000 to $1,500 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 41% to 128% more than average. View High Risk Driver Rates

Your home state has a huge impact on Dodge Caliber insurance prices. A driver around age 40 might see rates as low as $630 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,180 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes 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 Cheaper Dodge Caliber Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by getting quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents may pay on average $1,000 more each year than a low-risk driver
• Youthful drivers are expensive to insure, as much as $302 each month if the policy includes full coverage
• You may be able to save as much as $90 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $175 each year
• You may be able to save as much as $90 per year simply by quoting online in advance