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.

Average insurance rates for a Chrysler 300 are $1,378 a year including full coverage. Comprehensive insurance costs approximately $270, collision insurance costs $494, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs $2,992 or more. Teenage drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $793
• Raising to $1,000 deductibles will save $174 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,378
• Using more expensive low deductibles will cost an extra $336 annually
• Drivers who are prone to accidents and violations could pay around $2,992
• The cost for full coverage for a 16-year-old driver with full coverage can cost $5,240

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the model of your 300, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live also has a big influence on Chrysler 300 insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

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 Low Cost Chrysler 300 Insurance

Saving money on insurance for a Chrysler 300 consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The points below are a review of the material that was touched on above.

• Insureds who purchase increased liability limits will pay an extra $500 per year to raise from a minimum limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $437 per month for full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,610 more per year to insure a Chrysler 300
• Increasing deductibles can save around $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