Dodge Caliber Insurance Rates
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UPDATED: Apr 16, 2024
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The average insurance prices for a Dodge Caliber are $910 every 12 months including full coverage. Comprehensive costs around $126, collision costs $166, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $1,962. Teens cost the most to insure at $3,768 a year or more.
Average premium for full coverage: $910
Policy rates for type of insurance:
Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Caliber models.
Price Range Variability
Using a middle-aged driver as an example, Dodge Caliber insurance rates go from the cheapest price of $510 for the bare minimum liability coverage to the much higher price of $1,962 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how where you live affects auto insurance rates.
The examples above highlight why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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 estimated Dodge Caliber insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $559
- Choosing higher $1,000 deductibles can save about $66 every year
- The average price for a good driver age 40 using $500 deductibles is $910
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,036
- Higher-risk drivers with serious driving violations could pay at least $1,962 or more
- Policy cost to insure a 16-year-old driver for full coverage can be $3,768 each year
Insurance rates for a Dodge Caliber also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $200 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,100 to $1,600 additional every year, depending on your age. Dodge Caliber insurance for high-risk drivers ranges from 42% to 134% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Dodge Caliber insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.
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 Shop for the Cheapest Dodge Caliber Insurance
Finding cheaper rates on insurance for a Dodge Caliber takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The points below are a recap of the data that was touched on in the above illustrations.
- You may be able to save up to $100 per year simply by quoting online well ahead of the renewal date
- Insureds who may need increased liability limits will pay approximately $510 per year to raise limits from a 30/60 limit to a 250/500 level
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $314 each month if full coverage is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,050 more every year to insure a Dodge Caliber
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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