Dodge Caliber Insurance Rates
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UPDATED: Apr 16, 2024
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Average insurance rates for a Dodge Caliber are $910 a year including full coverage. Comprehensive insurance costs on average $126 each year, collision costs $166, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $1,962 or more. Teen drivers receive the highest rates at $3,768 a year or more.
Average premium for full coverage: $910
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist 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 go from as low as $510 for just the minimum liability insurance to a high rate of $1,962 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
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 risk profile, rather than relying on price 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 breaks down estimated Dodge Caliber insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $559
- Raising to $1,000 deductibles will save around $66 every year
- The average rate for a 40-year-old driver with $500 deductibles is $910
- Choosing low deductibles will cost an extra $126 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,962 or more
- The cost for full coverage for a teen driver may cost $3,768
Car insurance rates for a Dodge Caliber can also vary considerably based on your driver profile, the model of your Caliber, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age
Where you live also has a big influence on Dodge Caliber insurance rates. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
Choosing high deductibles can reduce rates by up to $200 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 134% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
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 Find Cheap Dodge Caliber Insurance
Saving money on Dodge Caliber insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The list below is a brief summary of the material that was illustrated above.
- Drivers who require higher liability limits will pay about $510 per year to raise from a minimum limit to 250/500 limits
- Teenagers are expensive to insure, as much as $314 per month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,050 more each year for car insurance
- Increasing deductibles can save around $200 each year
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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