Dodge Caliber Insurance Rates
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UPDATED: Apr 16, 2024
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Average auto insurance rates for a Dodge Caliber are $910 annually including full coverage. Comprehensive costs on average $126 each year, collision insurance costs $166, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $1,962. Teenage drivers receive the highest rates at up to $3,768 a year.
Average premium for full coverage: $910
Rate estimates by individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Caliber models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $510 for the bare minimum liability coverage to a high rate of $1,962 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.
These examples highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.
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 Information
The chart below breaks down average Dodge Caliber insurance rates for different risk profiles and scenarios.
- The best discount rate is $559
- Raising to $1,000 deductibles will save around $66 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $910
- Using low deductibles will cost $1,036
- At-risk drivers who are prone to accidents and violations could pay upwards of $1,962
- The cost with full coverage for a teen driver may cost $3,768
Auto insurance rates for a Dodge Caliber can also vary considerably based on the trim level of your Caliber, your driving characteristics, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $200 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Dodge Caliber insurance prices. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,300 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $824 | -$86 | -9.5% |
| Alaska | $698 | -$212 | -23.3% |
| Arizona | $756 | -$154 | -16.9% |
| Arkansas | $910 | -$0 | 0.0% |
| California | $1,038 | $128 | 14.1% |
| Colorado | $872 | -$38 | -4.2% |
| Connecticut | $938 | $28 | 3.1% |
| Delaware | $1,030 | $120 | 13.2% |
| Florida | $1,140 | $230 | 25.3% |
| Georgia | $840 | -$70 | -7.7% |
| Hawaii | $654 | -$256 | -28.1% |
| Idaho | $618 | -$292 | -32.1% |
| Illinois | $678 | -$232 | -25.5% |
| Indiana | $686 | -$224 | -24.6% |
| Iowa | $614 | -$296 | -32.5% |
| Kansas | $866 | -$44 | -4.8% |
| Kentucky | $1,244 | $334 | 36.7% |
| Louisiana | $1,348 | $438 | 48.1% |
| Maine | $562 | -$348 | -38.2% |
| Maryland | $752 | -$158 | -17.4% |
| Massachusetts | $730 | -$180 | -19.8% |
| Michigan | $1,584 | $674 | 74.1% |
| Minnesota | $764 | -$146 | -16.0% |
| Mississippi | $1,092 | $182 | 20.0% |
| Missouri | $808 | -$102 | -11.2% |
| Montana | $980 | $70 | 7.7% |
| Nebraska | $720 | -$190 | -20.9% |
| Nevada | $1,094 | $184 | 20.2% |
| New Hampshire | $656 | -$254 | -27.9% |
| New Jersey | $1,018 | $108 | 11.9% |
| New Mexico | $808 | -$102 | -11.2% |
| New York | $960 | $50 | 5.5% |
| North Carolina | $524 | -$386 | -42.4% |
| North Dakota | $746 | -$164 | -18.0% |
| Ohio | $632 | -$278 | -30.5% |
| Oklahoma | $938 | $28 | 3.1% |
| Oregon | $834 | -$76 | -8.4% |
| Pennsylvania | $870 | -$40 | -4.4% |
| Rhode Island | $1,216 | $306 | 33.6% |
| South Carolina | $826 | -$84 | -9.2% |
| South Dakota | $768 | -$142 | -15.6% |
| Tennessee | $798 | -$112 | -12.3% |
| Texas | $1,098 | $188 | 20.7% |
| Utah | $676 | -$234 | -25.7% |
| Vermont | $624 | -$286 | -31.4% |
| Virginia | $546 | -$364 | -40.0% |
| Washington | $706 | -$204 | -22.4% |
| West Virginia | $834 | -$76 | -8.4% |
| Wisconsin | $632 | -$278 | -30.5% |
| Wyoming | $812 | -$98 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $894 | $75 |
| Dodge Caliber Heat | $894 | $75 |
| Dodge Caliber SE | $894 | $75 |
| Dodge Caliber Mainstreet | $922 | $77 |
| Dodge Caliber Rush | $922 | $77 |
| Dodge Caliber SXT | $922 | $77 |
| Dodge Caliber Uptown | $922 | $77 |
| Dodge Caliber R/T | $938 | $78 |
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 | $156 | $252 | $474 | $1,040 |
| 2011 Dodge Caliber | $150 | $228 | $478 | $1,014 |
| 2010 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2009 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2008 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2007 Dodge Caliber | $126 | $166 | $460 | $910 |
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 Buy Cheap Dodge Caliber Insurance
Saving money on car insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a brief summary of the car insurance concepts illustrated above.
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,050 more each year for auto insurance
- You may be able to save as much as $100 per year just by quoting online in advance
- Increasing deductibles could save up to $200 each year
- Policyholders who require higher levels of liability will pay an extra $510 per year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,768 |
| 20 | $2,094 |
| 30 | $920 |
| 40 | $910 |
| 50 | $838 |
| 60 | $820 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,036 |
| $250 | $980 |
| $500 | $910 |
| $1,000 | $844 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $910 |
| 50/100 | $1,030 |
| 100/300 | $1,145 |
| 250/500 | $1,444 |
| 100 CSL | $1,076 |
| 300 CSL | $1,329 |
| 500 CSL | $1,513 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,288 |
| 20 | $3,336 |
| 30 | $1,972 |
| 40 | $1,962 |
| 50 | $1,880 |
| 60 | $1,862 |
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 | $45 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $53 |
| 5-yr Claim Free | $56 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $60 |
| Total Discounts | $351 |
Discounts are estimated and may not be available from every company or in every state.
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