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 auto insurance rates for a Chrysler 300 are $1,378 annually for full coverage. Comprehensive insurance costs approximately $270, collision insurance costs $494, and liability insurance is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs $2,992 or more. Teens receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

These examples show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below shows average Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $793
• Choosing higher $1,000 deductibles can save $174 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,378
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $336 a year
• High-risk insureds with serious driving violations could pay around $2,992
• The cost with full coverage for a teen driver with full coverage can cost $5,240 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Chrysler 300 insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Buy the Best Chrysler 300 Insurance

Saving money on Chrysler 300 insurance takes being a low-risk driver, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief recap of the material that was touched on in this article.

• Drivers who purchase more liability coverage will pay approximately $500 each year to raise limits from a minimum limit to higher 250/500 limits
• Teen drivers are the costliest to insure, costing as high as $437 per month if they have full coverage
• High-risk drivers who tend to receive serious violations pay on average $1,610 more per year to insure their 300
• Increasing deductibles could save up to $500 each year

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