Chrysler 300 Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 30, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Chrysler 300 insurance
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:

Comprehensive $270
Collision $494
Liability $456

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

For the average 40-year-old driver, prices range range from as cheap as $508 for liability-only coverage to a much higher rate of $2,992 for high-risk insurance.

Liability Only $508
Full Coverage $1,378
High Risk $2,992

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.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

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.

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

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

Chrysler 300 insurance cost comparison chart
Column chart showing Chrysler 300 insurance prices range from $793 to $5,240 for full coverage

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.

Chrysler 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,246 -$132 -9.6%
Alaska $1,056 -$322 -23.4%
Arizona $1,144 -$234 -17.0%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,318 -$60 -4.4%
Connecticut $1,418 $40 2.9%
Delaware $1,560 $182 13.2%
Florida $1,724 $346 25.1%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $930 -$448 -32.5%
Illinois $1,028 -$350 -25.4%
Indiana $1,038 -$340 -24.7%
Iowa $930 -$448 -32.5%
Kansas $1,308 -$70 -5.1%
Kentucky $1,880 $502 36.4%
Louisiana $2,038 $660 47.9%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,102 -$276 -20.0%
Michigan $2,394 $1,016 73.7%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,652 $274 19.9%
Missouri $1,222 -$156 -11.3%
Montana $1,480 $102 7.4%
Nebraska $1,084 -$294 -21.3%
Nevada $1,652 $274 19.9%
New Hampshire $992 -$386 -28.0%
New Jersey $1,540 $162 11.8%
New Mexico $1,222 -$156 -11.3%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,126 -$252 -18.3%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,314 -$64 -4.6%
Rhode Island $1,838 $460 33.4%
South Carolina $1,246 -$132 -9.6%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,206 -$172 -12.5%
Texas $1,660 $282 20.5%
Utah $1,022 -$356 -25.8%
Vermont $944 -$434 -31.5%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,228 -$150 -10.9%

View Chart as Image

Chrysler 300 insurance rates by U.S. city

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.

Chrysler 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Chrysler 300 $332 $626 $398 $1,514
2022 Chrysler 300 $320 $610 $416 $1,504
2021 Chrysler 300 $310 $586 $430 $1,484
2020 Chrysler 300 $292 $564 $442 $1,456
2019 Chrysler 300 $282 $524 $452 $1,416
2018 Chrysler 300 $270 $494 $456 $1,378
2017 Chrysler 300 $258 $442 $460 $1,318
2016 Chrysler 300 $242 $408 $460 $1,268
2014 Chrysler 300 $228 $356 $474 $1,216
2012 Chrysler 300 $206 $300 $478 $1,142
2007 Chrysler 300 $168 $208 $452 $986
2006 Chrysler 300 $154 $198 $446 $956

Rates are averaged for all Chrysler 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

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

Rates by Driver Age

Chrysler 300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,240
20 $3,188
30 $1,428
40 $1,378
50 $1,260
60 $1,236

Full coverage, $500 deductibles

Rates by Deductible

Chrysler 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,714
$250 $1,558
$500 $1,378
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

Chrysler 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,535
100/300 $1,649
250/500 $1,946
100 CSL $1,581
300 CSL $1,832
500 CSL $2,014

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler 300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,466
20 $5,080
30 $3,046
40 $2,992
50 $2,856
60 $2,832

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $90
Paid in Full/EFT $61
Advance Quote $68
Online Quote $98
Total Discounts $585
Rate after discounts $793

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles