Dodge Caliber Insurance Rates
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UPDATED: Apr 16, 2024
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Average insurance prices for a Dodge Caliber are $894 every 12 months for full coverage. Comprehensive costs an estimated $124, collision costs $160, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $1,920. 16-year-old drivers receive the highest rates at $3,692 a year or more.
Average premium for full coverage: $894
Rate estimates broken down by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Caliber models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $504 for minimum levels of liability insurance to the much higher price of $1,920 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples show why everyone should compare prices for a targeted area and their own driving history, 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.
Additional Rate Details
The chart below shows estimated Dodge Caliber insurance rates for other coverage scenarios.
- The best full coverage rate is $551
- Using higher $1,000 deductibles will save approximately $66 a year
- The average price for a 40-year-old driver who has $500 deductibles is $894
- Buying pricier low deductibles for physical damage coverage increases the price to $1,016
- Higher-risk drivers with multiple tickets or accidents could pay up to $1,920 or more
- The cost to insure a teenage driver for full coverage can cost as much as $3,692 or more
Car insurance rates for a Dodge Caliber can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $190 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $3,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,100 to $1,500 extra per year, depending on your age. Dodge Caliber insurance for high-risk drivers can be around 41% to 137% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Dodge Caliber insurance rates. A driver around age 40 might see rates as low as $590 a year in states like Iowa, Maine, and Idaho, or at least $1,280 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $808 | -$86 | -9.6% |
| Alaska | $686 | -$208 | -23.3% |
| Arizona | $740 | -$154 | -17.2% |
| Arkansas | $894 | -$0 | 0.0% |
| California | $1,018 | $124 | 13.9% |
| Colorado | $852 | -$42 | -4.7% |
| Connecticut | $920 | $26 | 2.9% |
| Delaware | $1,010 | $116 | 13.0% |
| Florida | $1,118 | $224 | 25.1% |
| Georgia | $822 | -$72 | -8.1% |
| Hawaii | $642 | -$252 | -28.2% |
| Idaho | $604 | -$290 | -32.4% |
| Illinois | $664 | -$230 | -25.7% |
| Indiana | $672 | -$222 | -24.8% |
| Iowa | $602 | -$292 | -32.7% |
| Kansas | $850 | -$44 | -4.9% |
| Kentucky | $1,220 | $326 | 36.5% |
| Louisiana | $1,322 | $428 | 47.9% |
| Maine | $550 | -$344 | -38.5% |
| Maryland | $736 | -$158 | -17.7% |
| Massachusetts | $716 | -$178 | -19.9% |
| Michigan | $1,552 | $658 | 73.6% |
| Minnesota | $748 | -$146 | -16.3% |
| Mississippi | $1,068 | $174 | 19.5% |
| Missouri | $792 | -$102 | -11.4% |
| Montana | $958 | $64 | 7.2% |
| Nebraska | $706 | -$188 | -21.0% |
| Nevada | $1,070 | $176 | 19.7% |
| New Hampshire | $644 | -$250 | -28.0% |
| New Jersey | $998 | $104 | 11.6% |
| New Mexico | $790 | -$104 | -11.6% |
| New York | $940 | $46 | 5.1% |
| North Carolina | $516 | -$378 | -42.3% |
| North Dakota | $732 | -$162 | -18.1% |
| Ohio | $618 | -$276 | -30.9% |
| Oklahoma | $918 | $24 | 2.7% |
| Oregon | $818 | -$76 | -8.5% |
| Pennsylvania | $852 | -$42 | -4.7% |
| Rhode Island | $1,192 | $298 | 33.3% |
| South Carolina | $808 | -$86 | -9.6% |
| South Dakota | $752 | -$142 | -15.9% |
| Tennessee | $782 | -$112 | -12.5% |
| Texas | $1,078 | $184 | 20.6% |
| Utah | $662 | -$232 | -26.0% |
| Vermont | $610 | -$284 | -31.8% |
| Virginia | $534 | -$360 | -40.3% |
| Washington | $690 | -$204 | -22.8% |
| West Virginia | $818 | -$76 | -8.5% |
| Wisconsin | $618 | -$276 | -30.9% |
| Wyoming | $796 | -$98 | -11.0% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Caliber Express | $878 | $73 |
| Dodge Caliber Heat | $878 | $73 |
| Dodge Caliber SE | $878 | $73 |
| Dodge Caliber Mainstreet | $902 | $75 |
| Dodge Caliber Rush | $902 | $75 |
| Dodge Caliber SXT | $902 | $75 |
| Dodge Caliber Uptown | $902 | $75 |
| Dodge Caliber R/T | $918 | $77 |
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 | $150 | $228 | $478 | $1,014 |
| 2011 Dodge Caliber | $140 | $210 | $474 | $982 |
| 2010 Dodge Caliber | $132 | $190 | $474 | $954 |
| 2009 Dodge Caliber | $128 | $170 | $468 | $924 |
| 2008 Dodge Caliber | $126 | $166 | $460 | $910 |
| 2007 Dodge Caliber | $124 | $160 | $452 | $894 |
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 Best Cheap Dodge Caliber Insurance
Saving money on auto insurance requires being a low-risk driver, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a quick review of the data that was covered above.
- Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
- Consumers who want more liability coverage will pay around $500 each year to increase from a minimum limit to a 250/500 level
- Teen drivers have the highest car insurance rates, costing as high as $308 per month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation pay on average $1,030 more annually to insure their Caliber
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,692 |
| 20 | $2,050 |
| 30 | $900 |
| 40 | $894 |
| 50 | $820 |
| 60 | $802 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,016 |
| $250 | $960 |
| $500 | $894 |
| $1,000 | $828 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $894 |
| 50/100 | $1,008 |
| 100/300 | $1,121 |
| 250/500 | $1,415 |
| 100 CSL | $1,054 |
| 300 CSL | $1,302 |
| 500 CSL | $1,483 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,180 |
| 20 | $3,264 |
| 30 | $1,926 |
| 40 | $1,920 |
| 50 | $1,840 |
| 60 | $1,822 |
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 | $44 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $55 |
| Paid in Full/EFT | $30 |
| Advance Quote | $38 |
| Online Quote | $59 |
| Total Discounts | $343 |
Discounts are estimated and may not be available from every company or in every state.
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