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2009 Chrysler 300 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2009 Chrysler 300 are $1,172 a year including full coverage. Comprehensive insurance costs on average $210, collision costs $330, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,536 or more. Teen drivers receive the highest rates at $4,598 a year or more.

Annual premium for full coverage: $1,172

Rate estimates for 2009 Chrysler 300 Insurance

Comprehensive $210
Collision $330
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Chrysler 300 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for a discount liability-only rate to the much higher price of $2,536 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,172
High Risk $2,536

View Chart as Image

2009 Chrysler 300 insurance rates compared
Column chart showing 2009 Chrysler 300 insurance prices range from $693 to $4,598 for full coverage

These differences highlight why everyone should compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2009 Chrysler 300 Insurance

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Locating low-cost insurance for a Chrysler 300 could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to find auto insurance online so you’re going to learn the quickest way to compare rates on a Chrysler and get the lowest price.

Choosing the best insurance company for you is not that difficult. If you are insured now or need a new policy, you can learn to reduce the price you pay and still get good coverage. Consumers only need an understanding of the proper methods to shop their coverage around online.

Factors that might impact rates for a Chrysler 300

Consumers need to have an understanding of the different types of things that go into determining your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that could result in lower insurance coverage prices.

  • More than one policy can earn a discount – Some companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Protect your assets with liability insurance – Liability insurance provides coverage when a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can look forward to higher rates. Companies award better rates to insureds who are claim-free. Insurance coverage is intended for larger claims.
  • Little extras can really add up – There are a ton of add-on coverages that you can buy on your 300 policy. Insurance for vanishing deductibles, towing coverage and term life insurance may be costing you every month. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Pleasure use or commuting – The more you drive every year the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Verify your insurance coverage policy is showing the correct driver usage. Incorrect usage on your 300 can result in significantly higher rates.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Careers like doctors, business owners and dentists are shown to have the highest average rates due to high stress levels and lengthy work days. Other occupations such as farmers, historians and homemakers pay the least for 300 insurance.
  • Battle of the sexes – Statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. They both are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as DWI and reckless driving.

Pay less for 2009 Chrysler 300 insurance

Companies do not advertise all their discounts in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • One Accident Forgiven – Some insurance companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Service Members Pay Less – Having a deployed family member can result in better rates.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way.

Companies that may offer these money-saving discounts include:

Double check with each insurance company what discounts are available to you. Discounts may not apply everywhere.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs might need professional guidance.

  • Is motorclub coverage worth it?
  • Is my state a no-fault state?
  • How do I insure my teen driver?
  • How many claims can I have before being canceled?
  • When should I not file a claim?
  • Will my rates increase for filing one claim?
  • What can I do if my company denied a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Is extra glass coverage worth it?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 2009 Chrysler 300

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability insurance – This protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, pain and suffering, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chrysler 300.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as hospital visits, funeral costs, surgery and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance will pay to fix damage to your 300 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, damaging your car on a curb, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

Cheap 2009 Chrysler 300 insurance is possible both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, being labeled a high risk driver and poor customer service. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

You just read many ideas to get a better price on insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest rates come from the least-expected company.

To learn more, feel free to visit the following helpful articles:

Rates by U.S. City

2009 Chrysler 300 Insurance Rates by City
City Premium
New York City, NY $1,854
Los Angeles, CA $2,004
Philadelphia, PA $1,571
Jacksonville, FL $1,705
Phoenix, AZ $1,361
Chicago, IL $1,573
Houston, TX $1,838
Seattle, WA $1,144
Columbus, OH $980
Indianapolis, IN $997

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Chrysler 300 Insurance Rates by Driver Age
Driver Age Premium
16 $4,598
20 $2,696
30 $1,206
40 $1,172
50 $1,074
60 $1,054

Full coverage, $500 deductibles

Rates by Deductible

2009 Chrysler 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,410
$250 $1,302
$500 $1,172
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Chrysler 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,172
50/100 $1,267
100/300 $1,385
250/500 $1,693
100 CSL $1,314
300 CSL $1,575
500 CSL $1,765

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Chrysler 300 Insurance Rates for High Risk Drivers
Age Premium
16 $6,514
20 $4,300
30 $2,570
40 $2,536
50 $2,424
60 $2,400

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.

SR-22 Surcharge $161

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $78
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $81
Total Discounts $479
Rate after discounts $693

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2009 Chrysler 300 Insurance Rates by State
State Premium
Alabama $1,060
Alaska $900
Arizona $972
Arkansas $1,172
California $1,336
Colorado $1,122
Connecticut $1,206
Delaware $1,328
Florida $1,470
Georgia $1,082
Hawaii $844
Idaho $792
Illinois $874
Indiana $882
Iowa $792
Kansas $1,116
Kentucky $1,602
Louisiana $1,736
Maine $724
Maryland $966
Massachusetts $938
Michigan $2,038
Minnesota $980
Mississippi $1,404
Missouri $1,042
Montana $1,260
Nebraska $924
Nevada $1,406
New Hampshire $844
New Jersey $1,312
New Mexico $1,038
New York $1,236
North Carolina $676
North Dakota $960
Ohio $810
Oklahoma $1,206
Oregon $1,076
Pennsylvania $1,122
Rhode Island $1,564
South Carolina $1,062
South Dakota $992
Tennessee $1,028
Texas $1,414
Utah $868
Vermont $804
Virginia $702
Washington $908
West Virginia $1,076
Wisconsin $812
Wyoming $1,046

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