Dodge Caliber Insurance Rates
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UPDATED: Apr 16, 2024
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U.S. average insurance rates for a Dodge Caliber are $1,040 a year including full coverage. Comprehensive insurance costs on average $156, collision costs $252, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,252 or more. 16-year-old drivers pay the highest rates at $4,208 a year or more.
Average premium for full coverage: $1,040
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Caliber trim levels.
Price Range from Low to High
For a driver in their 40's, Dodge Caliber insurance prices go from the low end price of $522 for your basic liability-only policy to a much higher rate of $2,252 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location, rather than 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.
More Rate Information
The chart below breaks down estimated Dodge Caliber insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $623
- Using higher $1,000 deductibles will save around $94 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,040
- Buying more expensive low deductibles for physical damage coverage will cost an additional $178 each year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,252 or more
- The price that insures a teenage driver with full coverage may cost $4,208 or more
Car insurance prices for a Dodge Caliber are also quite variable based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,200 to $1,800 extra each year, depending on your age. High-risk driver insurance can be around 43% to 128% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,200 a year. View Rates by Age
The state you live in has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,480 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $940 | -$100 | -9.6% |
| Alaska | $796 | -$244 | -23.5% |
| Arizona | $862 | -$178 | -17.1% |
| Arkansas | $1,040 | -$0 | 0.0% |
| California | $1,184 | $144 | 13.8% |
| Colorado | $992 | -$48 | -4.6% |
| Connecticut | $1,070 | $30 | 2.9% |
| Delaware | $1,178 | $138 | 13.3% |
| Florida | $1,302 | $262 | 25.2% |
| Georgia | $958 | -$82 | -7.9% |
| Hawaii | $748 | -$292 | -28.1% |
| Idaho | $702 | -$338 | -32.5% |
| Illinois | $774 | -$266 | -25.6% |
| Indiana | $780 | -$260 | -25.0% |
| Iowa | $700 | -$340 | -32.7% |
| Kansas | $990 | -$50 | -4.8% |
| Kentucky | $1,418 | $378 | 36.3% |
| Louisiana | $1,538 | $498 | 47.9% |
| Maine | $642 | -$398 | -38.3% |
| Maryland | $856 | -$184 | -17.7% |
| Massachusetts | $832 | -$208 | -20.0% |
| Michigan | $1,806 | $766 | 73.7% |
| Minnesota | $870 | -$170 | -16.3% |
| Mississippi | $1,244 | $204 | 19.6% |
| Missouri | $922 | -$118 | -11.3% |
| Montana | $1,116 | $76 | 7.3% |
| Nebraska | $818 | -$222 | -21.3% |
| Nevada | $1,246 | $206 | 19.8% |
| New Hampshire | $748 | -$292 | -28.1% |
| New Jersey | $1,162 | $122 | 11.7% |
| New Mexico | $922 | -$118 | -11.3% |
| New York | $1,096 | $56 | 5.4% |
| North Carolina | $600 | -$440 | -42.3% |
| North Dakota | $850 | -$190 | -18.3% |
| Ohio | $718 | -$322 | -31.0% |
| Oklahoma | $1,068 | $28 | 2.7% |
| Oregon | $952 | -$88 | -8.5% |
| Pennsylvania | $992 | -$48 | -4.6% |
| Rhode Island | $1,384 | $344 | 33.1% |
| South Carolina | $940 | -$100 | -9.6% |
| South Dakota | $876 | -$164 | -15.8% |
| Tennessee | $910 | -$130 | -12.5% |
| Texas | $1,252 | $212 | 20.4% |
| Utah | $768 | -$272 | -26.2% |
| Vermont | $712 | -$328 | -31.5% |
| Virginia | $624 | -$416 | -40.0% |
| Washington | $804 | -$236 | -22.7% |
| West Virginia | $952 | -$88 | -8.5% |
| Wisconsin | $720 | -$320 | -30.8% |
| Wyoming | $926 | -$114 | -11.0% |
Opting for high physical damage deductibles could cut prices by as much as $280 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $1,016 | $85 |
| Dodge Caliber Heat | $1,016 | $85 |
| Dodge Caliber SE | $1,016 | $85 |
| Dodge Caliber Mainstreet | $1,056 | $88 |
| Dodge Caliber Rush | $1,056 | $88 |
| Dodge Caliber SXT | $1,056 | $88 |
| Dodge Caliber Uptown | $1,056 | $88 |
| Dodge Caliber R/T | $1,080 | $90 |
Rates assume 2012 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 Find Low Cost Dodge Caliber Insurance
Getting lower rates on auto insurance requires having a decent driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a review of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers are expensive to insure, possibly costing $351 a month if full coverage is purchased
- Drivers who have several accidents or serious violations could be forced to pay on average $1,210 more each year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $275 each year
- You may be able to save as much as $120 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,208 |
| 20 | $2,400 |
| 30 | $1,058 |
| 40 | $1,040 |
| 50 | $954 |
| 60 | $936 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,218 |
| $250 | $1,134 |
| $500 | $1,040 |
| $1,000 | $946 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,040 |
| 50/100 | $1,175 |
| 100/300 | $1,293 |
| 250/500 | $1,601 |
| 100 CSL | $1,222 |
| 300 CSL | $1,483 |
| 500 CSL | $1,673 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,934 |
| 20 | $3,832 |
| 30 | $2,272 |
| 40 | $2,252 |
| 50 | $2,156 |
| 60 | $2,134 |
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 | $53 |
| Multi-vehicle | $57 |
| Homeowner | $18 |
| 5-yr Accident Free | $66 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $39 |
| Advance Quote | $47 |
| Online Quote | $71 |
| Total Discounts | $417 |
Discounts are estimated and may not be available from every company or in every state.
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