Dodge Caliber Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 16, 2024
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Estimated insurance prices for a Dodge Caliber are $870 every 12 months for full coverage insurance. Comprehensive costs around $114 each year, collision costs $152, and liability is estimated at $446. A liability-only policy costs approximately $500 a year, with high-risk insurance costing around $1,874. 16-year-old drivers pay the most at $3,626 a year or more.
Average premium for full coverage: $870
Premium estimates for type of coverage:
Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Caliber models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Dodge Caliber go from the cheapest price of $500 for just the minimum liability insurance to a high rate of $1,874 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how geographic area affects auto insurance rates.
These rate differences illustrate why all drivers should get quotes for a specific zip code and their own driving history, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $537
- Choosing higher $1,000 deductibles can save about $62 each year
- The average price for a 40-year-old good driver using $500 deductibles is $870
- Buying low deductibles for comp and collision coverage increases the price to $984
- Unlucky drivers with multiple tickets or accidents could pay at least $1,874 or more
- An auto insurance policy to insure a teen driver can be $3,626 each year
Auto insurance prices for a Dodge Caliber also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $180 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $402 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $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 at least $1,000 to $1,500 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 128% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,180 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $786 | -$84 | -9.7% |
| Alaska | $668 | -$202 | -23.2% |
| Arizona | $722 | -$148 | -17.0% |
| Arkansas | $870 | -$0 | 0.0% |
| California | $992 | $122 | 14.0% |
| Colorado | $830 | -$40 | -4.6% |
| Connecticut | $896 | $26 | 3.0% |
| Delaware | $986 | $116 | 13.3% |
| Florida | $1,090 | $220 | 25.3% |
| Georgia | $804 | -$66 | -7.6% |
| Hawaii | $624 | -$246 | -28.3% |
| Idaho | $588 | -$282 | -32.4% |
| Illinois | $646 | -$224 | -25.7% |
| Indiana | $654 | -$216 | -24.8% |
| Iowa | $586 | -$284 | -32.6% |
| Kansas | $828 | -$42 | -4.8% |
| Kentucky | $1,188 | $318 | 36.6% |
| Louisiana | $1,288 | $418 | 48.0% |
| Maine | $538 | -$332 | -38.2% |
| Maryland | $716 | -$154 | -17.7% |
| Massachusetts | $696 | -$174 | -20.0% |
| Michigan | $1,512 | $642 | 73.8% |
| Minnesota | $728 | -$142 | -16.3% |
| Mississippi | $1,044 | $174 | 20.0% |
| Missouri | $770 | -$100 | -11.5% |
| Montana | $934 | $64 | 7.4% |
| Nebraska | $688 | -$182 | -20.9% |
| Nevada | $1,044 | $174 | 20.0% |
| New Hampshire | $628 | -$242 | -27.8% |
| New Jersey | $976 | $106 | 12.2% |
| New Mexico | $770 | -$100 | -11.5% |
| New York | $918 | $48 | 5.5% |
| North Carolina | $504 | -$366 | -42.1% |
| North Dakota | $714 | -$156 | -17.9% |
| Ohio | $600 | -$270 | -31.0% |
| Oklahoma | $894 | $24 | 2.8% |
| Oregon | $796 | -$74 | -8.5% |
| Pennsylvania | $830 | -$40 | -4.6% |
| Rhode Island | $1,162 | $292 | 33.6% |
| South Carolina | $790 | -$80 | -9.2% |
| South Dakota | $734 | -$136 | -15.6% |
| Tennessee | $762 | -$108 | -12.4% |
| Texas | $1,050 | $180 | 20.7% |
| Utah | $644 | -$226 | -26.0% |
| Vermont | $598 | -$272 | -31.3% |
| Virginia | $520 | -$350 | -40.2% |
| Washington | $672 | -$198 | -22.8% |
| West Virginia | $796 | -$74 | -8.5% |
| Wisconsin | $602 | -$268 | -30.8% |
| Wyoming | $776 | -$94 | -10.8% |
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $854 | $71 |
| Dodge Caliber Heat | $854 | $71 |
| Dodge Caliber SE | $854 | $71 |
| Dodge Caliber Mainstreet | $878 | $73 |
| Dodge Caliber Rush | $878 | $73 |
| Dodge Caliber SXT | $878 | $73 |
| Dodge Caliber Uptown | $878 | $73 |
| Dodge Caliber R/T | $894 | $75 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2011 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2010 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2009 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2008 Dodge Caliber | $124 | $160 | $452 | $894 |
| 2007 Dodge Caliber | $114 | $152 | $446 | $870 |
Rates are averaged for all Dodge Caliber models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Dodge Caliber Insurance
Finding better rates on car insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a quick rundown of the ideas that were presented in the illustrations above.
- Teen drivers are expensive to insure, with premiums being up to $302 per month if comprehensive and collision insurance is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,000 more every year to insure their Caliber
- Increasing policy deductibles could save as much as $175 each year
- It is possible to save up to $90 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,626 |
| 20 | $2,002 |
| 30 | $878 |
| 40 | $870 |
| 50 | $802 |
| 60 | $784 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $984 |
| $250 | $932 |
| $500 | $870 |
| $1,000 | $808 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $870 |
| 50/100 | $983 |
| 100/300 | $1,095 |
| 250/500 | $1,385 |
| 100 CSL | $1,028 |
| 300 CSL | $1,273 |
| 500 CSL | $1,452 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,082 |
| 20 | $3,190 |
| 30 | $1,880 |
| 40 | $1,874 |
| 50 | $1,794 |
| 60 | $1,776 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $47 |
| Homeowner | $16 |
| 5-yr Accident Free | $50 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $29 |
| Advance Quote | $37 |
| Online Quote | $57 |
| Total Discounts | $333 |
Discounts are estimated and may not be available from every company or in every state.
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