Chrysler 300 Insurance Rates

You may be asking yourself, “How much does a Chrysler 300 cost to insure?” or “Is a Chrysler 300 considered a sports car?” (the answer is no by the way). Chrysler 300 full coverage costs an average of $1,548 a year, or $129 a month, which means car insurance won’t cost $300 a month. Our guide goes over Chrysler 300 costs so drivers can better understand how to save.

Want to jump right into comparing Chrysler 300 insurance rates? Shopping around for Chrysler 300 insurance costs will help drivers save, so enter your ZIP code in our free tool above to get started.

Average insurance rates for a Chrysler 300 are $1,378 a year for full coverage. Comprehensive insurance costs around $270 each year, collision insurance costs $494, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,992 or more. Teen drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Chrysler 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $793
• Drivers who choose higher $1,000 deductibles will pay about $174 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,378
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $336 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,992
• The cost for full coverage for a 16-year-old driver can be $5,240 a year

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the trim level of your 300, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,200 a year. View Rates by Age

Where you live makes a big difference in Chrysler 300 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $510 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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.

How to Find More Affordable Chrysler 300 Insurance

Saving money on insurance for a Chrysler 300 not only requires being a good driver, but also maintaining good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to shop around at every other renewal by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following list is a summary of the concepts that were illustrated above.

• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,610 more every year than a safer driver
• Drivers age 16 to 20 pay higher rates, costing as high as $437 per month for full coverage
• Drivers can save up to $170 per year just by quoting online in advance
• Increasing deductibles can save around $500 each year
• Drivers can save up to $170 per year just by quoting online in advance

We’d like to answer a couple questions. First, does a Chrysler 300 last long? They will last upwards of 200K miles with the proper maintenance. Second, “Are Chrysler 300 expensive to maintain?” They have a 10 year maintenance cost of $10,600 which is expensive for the style and model of vehicle.

Shopping for a good Chrysler 300 insurance group will help reduce your costs, whether you are shopping for 2018 Chrysler 300 insurance costs or 2014 Chrysler 300 costs.

Want to get started on finding how much does a Chrysler 300C cost or how much does a 2018 Chrysler 300 cost to insure? Enter your ZIP code in our free tool below.

What are the safety ratings of the Chrysler 300?

How much does a 2012 Chrysler 300 cost to insure? How much does a 2014 Chrysler cost to insure? Part of what determines these rates will be the safety ratings and safety features. An old Chrysler 300 will have fewer safety features, which means the insurance cost of a new Chrysler 300 is likely to be better.

The Chrysler 300 has multiple airbags, brake assist, electronic stability control, traction control, and more, However, it is lacking back-up cameras. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Chrysler 300 the following crash test ratings.

• Small overlap front (driver-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Watch the video below for an example of a crash test on the Chrysler 300.

Chrysler 300 Compared Against Other Vehicles in the Same Class

The Chrysler 300 is a large car, which means Chrysler liability insurance could cost more. The IIHS recorded the Chrysler 300’s bodily injury liability losses as substantially worse than average, and the property damage losses as average.

To see how the Chrysler 300’s rates compare to other large cars, take a look at the cars below.

• Buick Lacrosse Insurance Rates
• Chevrolet Impala Insurance Rates
• Dodge Charger Insurance Rates

Ready to start shopping for insurance for everything from the 2006 Chrysler 300 price range to the cost of 2015 Chrysler 300 insurance to Chrysler 300M 2020 insurance? Enter your ZIP code in our free tool to get started on finding Chrysler 300 insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/chrysler/300-4-door-sedan/2020