Chrysler 300 Insurance Rates

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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

UPDATED: May 30, 2024

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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.

The average insurance prices for a Chrysler 300 are $1,378 every 12 months for full coverage insurance. Comprehensive insurance costs around $270, collision insurance costs $494, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $2,992 or more. Teen drivers cost the most to insure at up to $5,240 a year.

Average premium for full coverage: $1,378

Policy rates for type of insurance:

Comprehensive $270
Collision $494
Liability $456

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different 300 trim levels.

Price Range Variability

For a driver around age 40, Chrysler 300 insurance rates range from the cheapest price of $508 for a discount liability-only rate to a much higher rate of $2,992 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

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

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $793
  • Choosing higher $1,000 deductibles can save about $174 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,378
  • Choosing more expensive low deductibles for comp and collision coverage costs an extra $336 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,992
  • Policy cost to insure a teen driver with full coverage can be $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 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles can save as much as $510 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 129% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Chrysler 300 insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,860 on average in Michigan, New York, and Florida.

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 Shop for the Best Cheap Chrysler 300 Insurance

Finding cheaper rates on Chrysler 300 insurance takes being a good driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the information covered above.

  • It is possible to save up to $170 per year just by shopping early and online
  • Drivers age 16 to 20 are charged the highest rates, possibly costing $437 each month if full coverage is included
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,610 more every year than a safer driver
  • Drivers who may need an increased level of liability coverage will pay about $500 annually to raise limits from a 30/60 limit to a 250/500 level

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.

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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.

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