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.

U.S. average insurance rates for a Chrysler 300 are $1,378 a year for full coverage. Comprehensive costs an estimated $270, collision costs $494, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,992. Teen drivers pay the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of using price averages.

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

More Rate Details

The chart below shows estimated Chrysler 300 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $793
• Choosing higher $1,000 deductibles can save approximately $174 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,378
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,714
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,992 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $5,240 each year

View Chart as Image

Insurance prices for a Chrysler 300 are also quite variable based on your driving record, the trim level of your 300, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

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

View Chart as Image

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

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,300 additional each year, depending on your age. High-risk driver insurance ranges as much as 44% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.

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 Affordable Chrysler 300 Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a brief review of the data that was touched on in the above illustrations.

• Drivers can save approximately $170 per year simply by shopping early and online
• Policyholders who want increased liability limits will pay about $500 each year to raise limits from a low limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums as much as $437 a month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,610 more annually to insure a Chrysler 300

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