Dodge Caliber Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Dodge Caliber costs less than most other cars to insure.
• Liability insurance for a Caliber tends to be around $83 monthly, while full coverage usually runs about $147.
• The most affordable car insurance carrier for a Caliber is Hugo, who offers prices sometimes as cheap as $38 per month.

Caliber Overview

With base prices starting at just $17,380 for 2012 models, the Dodge Caliber is a great budget-friendly option for any driver. Drive off the dealership lot in style, with three different trim options offered.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've determined that average Dodge Caliber car insurance premiums run around $115 a month. But how does that fare against its competitors?

How Much is Car Insurance for a Dodge Caliber?

Looking at the table above, you'll find that when you compare the Dodge Caliber to other vehicles, insurance rates are below average. Caliber owners typically pay about $147 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other models, the Caliber is more affordable, with premiums more than 10% lower than the other vehicle types offered by Dodge. Likewise, compared to other vehicles of a similar body style, Caliber coverage is less expensive than average, with liability insurance rates averaging exactly the same rates, but full coverage insurance prices coming in at $30 less than other cars.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what body style, model, or make they are.

Who has the Cheapest Car Insurance for a Dodge Caliber?

Browsing for an auto insurance policy for your Dodge Caliber? You're probably most interested in which company offers the cheapest rates. Even though rates can fluctuate pretty dramatically depending on your driver profile, the cheapest average rates for liability only insurance are sometimes as low as $38 per month from Aspire and Hugo.

Oasis, CSAA, and TwentyFirstCentury round out the rest of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a wide array of different variables into consideration when offering you rates. The only way to guarantee you'll find the lowest rates is to compare quotes from a whole bunch of insurance companies.

What Factors Affect Car Insurance Rates for a Dodge Caliber?

There are lots of factors that auto insurance carriers examine to determine how much to charge you for insurance -- and every carrier weighs certain factors more than others, so there's not one single company that's the cheapest for each Caliber owner.

The following sections show a variety of things car insurance companies use to decide rates:

Vehicle Age

The Dodge Caliber has been around for a while, so vehicle age will likely play a role in what you end up paying for auto insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Caliber won't really fit this trend. However, as you can see in the table above, the most expensive Dodge Calibers to insure are those that are 11 to 14 years old, while the cheapest models are Calibers that are 1 year old or less, on average.

Your Age

Age plays a significant role in how much car insurance carriers will charge. In the table above, you'll see that those who have more experience on the road pay less compared to young drivers. Dodge Caliber drivers under 18 actually pay over three times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group for Caliber drivers being 55-64.

Your Gender

Because women are less likely to get into accidents and get tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will often charge women less than men. Surprisingly, for Caliber drivers, this trend does not hold, and women pay more for their auto insurance than men.

Where You Live

You may think it's obvious that factors like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can matter just as much? Since auto insurance is regulated at the state level, prices vary quite a bit from state to state.

For example, the average Dodge Caliber driver from New York pays around $178 a month for liability coverage, while on average, the same Californian owner will pay less than 50% of that price. The chart shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

Dodge Caliber Car Insurance Discounts

Whatever your home state, your car, or your age, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than by monthly payments
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Multi-vehicle discounts for having several cars on your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

These discounts are great, but sometimes, it's actually your insurance profile and driving history that get you the best rates.

Although you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've most likely observed ads from car insurance carriers offering hefty discounts for good drivers. It checks out that if you get into an accident or get tickets, insurance prices will increase. But exactly how much can it cost you for these infractions?

If you look at the table above, you'll see that accidents will usually cost Caliber drivers more than tickets, but both will result in a raise in rates. Dodge Caliber drivers with one ticket will pay about $97 monthly, while drivers with a single accident on their record pay an average of $120 every month (up $37 from the $83/mo. overall average). The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

The total distance you drive impacts your auto insurance rates. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll normally end up paying less for insurance. Above, you can see that Dodge Caliber owners who drive fewer than 2,500 miles a year pay about $78 a month for car insurance, while those who put 10,000 miles or more on their cars pay $84.

But if you're one of those drivers who don't put very many miles on your Dodge Caliber each year, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Dodge Calibers Compare to Other Vehicles?

If you're considering purchasing a new car and a Dodge Caliber is on your shortlist, it might be helpful to do your research. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth thinking about carefully.

Review the table below to see how the Dodge Caliber compares:

Overall, the Dodge Caliber is a great value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. While the national average vehicle price is $37,225, the Caliber starts at just $17,380. And since there hasn't been a new Caliber model on the market in the last few years, used prices will be even less expensive.

In the same fashion, car insurance prices run slightly below average when compared to other vehicles on the market. Full coverage insurance for a Dodge Caliber is about $20 a month cheaper than average, while liability only coverage is $2 higher per month.

When it comes to usage, Dodge Caliber owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the Caliber's 11,441 each year.

Dodge Caliber Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays for insurance. If you're considering buying a new vehicle and the Caliber is one you're thinking about, knowing what you can expect to pay can be extremely valuable as you weigh your options.

2012 Dodge Caliber Car Insurance

You can expect full coverage for a 2012 Caliber to run around $149 monthly, while liability only coverage will average about $83 a month.

Hugo has rates as low as just $27 monthly for the 2012 Dodge Caliber.

Want to find the best rates? Just enter your ZIP code below to get lots of free customized quotes.

2011 Dodge Caliber Car Insurance

The average cost to insure a 2011 Dodge Caliber with liability only coverage is $82 per month, while full coverage runs around $144 monthly.

If you're looking for the lowest possible 2011 Dodge Caliber insurance policy, Safeco offered the lowest policy we found, with rates as low as $19 per month.

If you want to know exactly how much you can expect to pay for your Caliber, just enter your ZIP code below and get several free quotes in minutes.

2010 Dodge Caliber Car Insurance

On average, drivers who own a 2010 Caliber can expect to pay $84 to $143 a month for liability only and full coverage auto insurance, respectively.

With premiums as cheap as just $19 monthly, Liberty Mutual offered the most affordable policy we found.

If you want to find the best prices for insurance for a 2010 Dodge Caliber, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

2009 Dodge Caliber Car Insurance

It costs about $83 per month for liability or $146 for a full coverage policy for the 2009 Dodge Caliber.

We found Liberty Mutual offered the lowest policy, with rates as little as just $18 a month.

If you want to find the best premiums for auto insurance for a 2009 Dodge Caliber, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2008 Dodge Caliber Car Insurance

2008 Caliber drivers can expect to pay an average of $85 per month for liability or $152 for full coverage.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for sometimes as little as $18 monthly.

Interested in what your car insurance price could look like? Enter your ZIP code below to get several customized quotes for free.

2007 Dodge Caliber Car Insurance

The average cost to insure a 2007 Dodge Caliber with liability only coverage is $81 a month, while full coverage runs around $147 monthly.

With rates as cheap as $16 per month, Liberty Mutual offered the most affordable policy we found for the 2007 Dodge Caliber.

While these are good estimates of what the average driver might pay to insure a 2007 Dodge Caliber, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

Dodge Caliber Insurance FAQs

Is a Dodge Caliber expensive to insure?

Liability insurance runs an average of $83 a month, while full coverage will cost you around $147. When compared to the national average of all vehicles, rates come in on the lower end of the spectrum.

How can I get the best price on car insurance for my Dodge Caliber?

The only way to be confident you're getting the lowest price on insurance is to check prices regularly and compare quotes from an array of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Dodge Caliber affect my insurance prices?

Have you heard the old adage that red cars cost more to insure before? Well, that's simply not true. There are a variety of things auto insurance companies use when they calculate how much you'll pay, but your Dodge Caliber's color is not factored into that decision.

Do I need to have insurance before I buy a Dodge Caliber?

You'll need to have valid insurance for your vehicle before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Dodge Caliber?

There are a variety of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Caliber has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about their discounts.