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.

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

Average premium for full coverage: $1,378

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and 300 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below details estimated Chrysler 300 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $793
• Raising to $1,000 deductibles will save about $174 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,378
• Choosing low deductibles will increase the cost to $1,714
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,992 or more
• Policy cost for full coverage for a teenage driver can be $5,240

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

Your home state also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,860 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $510 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied 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 the Best Chrysler 300 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief recap of the primary concepts that were covered above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Drivers who tend to receive serious violations pay an average of $1,610 more every year for car insurance
• Increasing comprehensive and collision deductibles can save around $500 each year
• Teenagers are charged the highest rates, as much as $437 each month including comprehensive and collision 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.

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