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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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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.

Average insurance rates for a Chrysler 300 are $1,504 a year for full coverage. Comprehensive costs on average $320 a year, collision costs $610, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,270. Teen drivers receive the highest rates at $5,588 a year or more.

Average premium for full coverage: $1,504

Rate estimates by individual coverage type:

Comprehensive $320
Collision $610
Liability $416

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and 300 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $3,270 for a high risk driver.

Liability Only $474
Full Coverage $1,504
High Risk $3,270

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,128
Small Cities $1,579
Large Cities $2,030

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated Chrysler 300 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $855
  • Drivers who choose higher $1,000 deductibles will pay around $1,294 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,504
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,918
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,270 or more
  • The cost for full coverage for a teen driver may cost $5,588 a year

View Chart as Image

Chrysler 300 insurance cost comparison chart
Column chart showing full coverage Chrysler 300 insurance rates range from $855 to $5,588

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

Older drivers and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,500 a year. View Rates by Age

Where you live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or as much as $2,150 on average in Michigan, Louisiana, and New York.

Chrysler 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,362 -$142 -9.4%
Alaska $1,156 -$348 -23.1%
Arizona $1,250 -$254 -16.9%
Arkansas $1,504 -$0 0.0%
California $1,716 $212 14.1%
Colorado $1,438 -$66 -4.4%
Connecticut $1,550 $46 3.1%
Delaware $1,702 $198 13.2%
Florida $1,882 $378 25.1%
Georgia $1,390 -$114 -7.6%
Hawaii $1,080 -$424 -28.2%
Idaho $1,020 -$484 -32.2%
Illinois $1,122 -$382 -25.4%
Indiana $1,134 -$370 -24.6%
Iowa $1,016 -$488 -32.4%
Kansas $1,432 -$72 -4.8%
Kentucky $2,054 $550 36.6%
Louisiana $2,228 $724 48.1%
Maine $928 -$576 -38.3%
Maryland $1,242 -$262 -17.4%
Massachusetts $1,204 -$300 -19.9%
Michigan $2,614 $1,110 73.8%
Minnesota $1,260 -$244 -16.2%
Mississippi $1,804 $300 19.9%
Missouri $1,336 -$168 -11.2%
Montana $1,618 $114 7.6%
Nebraska $1,188 -$316 -21.0%
Nevada $1,804 $300 19.9%
New Hampshire $1,084 -$420 -27.9%
New Jersey $1,682 $178 11.8%
New Mexico $1,332 -$172 -11.4%
New York $1,586 $82 5.5%
North Carolina $868 -$636 -42.3%
North Dakota $1,232 -$272 -18.1%
Ohio $1,042 -$462 -30.7%
Oklahoma $1,544 $40 2.7%
Oregon $1,380 -$124 -8.2%
Pennsylvania $1,436 -$68 -4.5%
Rhode Island $2,008 $504 33.5%
South Carolina $1,362 -$142 -9.4%
South Dakota $1,272 -$232 -15.4%
Tennessee $1,318 -$186 -12.4%
Texas $1,816 $312 20.7%
Utah $1,116 -$388 -25.8%
Vermont $1,032 -$472 -31.4%
Virginia $902 -$602 -40.0%
Washington $1,166 -$338 -22.5%
West Virginia $1,380 -$124 -8.2%
Wisconsin $1,042 -$462 -30.7%
Wyoming $1,342 -$162 -10.8%

View Chart as Image

Chrysler 300 insurance rates by U.S. city

Choosing high deductibles could save up to $630 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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
2019 Chrysler 300 $320 $610 $416 $1,504
2016 Chrysler 300 $282 $524 $452 $1,416
2014 Chrysler 300 $258 $442 $460 $1,318
2012 Chrysler 300 $234 $382 $464 $1,238
2007 Chrysler 300 $180 $250 $474 $1,062
2006 Chrysler 300 $174 $224 $468 $1,024

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 Find Cheaper Chrysler 300 Insurance

Saving money on Chrysler 300 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $625 each year
  • Drivers can save as much as $180 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $466 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,770 more each year for insurance

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 $5,588
20 $3,488
30 $1,574
40 $1,504
50 $1,374
60 $1,348

Full coverage, $500 deductibles

Rates by Deductible

Chrysler 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,918
$250 $1,726
$500 $1,504
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Chrysler 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,504
50/100 $1,669
100/300 $1,773
250/500 $2,044
100 CSL $1,711
300 CSL $1,940
500 CSL $2,106

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler 300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,988
20 $5,554
30 $3,344
40 $3,270
50 $3,120
60 $3,092

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 $213

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $114
5-yr Claim Free $98
Paid in Full/EFT $71
Advance Quote $76
Online Quote $108
Total Discounts $649
Rate after discounts $855

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

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