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

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below details average Chrysler 300 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $793
• Choosing higher $1,000 deductibles can save around $174 annually
• The average price for a good driver age 40 with $500 deductibles is $1,378
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,714
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,992
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,240 each year

View Chart as Image

Car insurance rates for a Chrysler 300 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your 300.

Choosing high deductibles can save as much as $510 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $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 may be forking out at a minimum $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges 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 prices. A good driver about age 40 could pay 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

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 Shop for the Best Cheap Chrysler 300 Insurance

Finding cheaper rates on insurance for a Chrysler 300 takes having a good driving record, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The next list is a quick review of the material that was covered above.

• Insureds who require increased levels of liability coverage will pay about $500 every year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $437 each month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,610 more each year to buy Chrysler 300 insurance
• Increasing comprehensive and collision deductibles could save as much as $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.

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