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.

Estimated auto insurance rates for a Chrysler 300 are $1,318 annually for full coverage. Comprehensive insurance costs on average $258 each year, collision costs $442, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $2,856 or more. Teen drivers pay the most at $5,046 a year or more.

Average premium for full coverage: $1,318

Premium estimates by type of coverage:

Price estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $765
• Using higher $1,000 deductibles will save around $158 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,318
• Choosing low deductibles for physical damage coverage costs an additional $310 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,856 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,046 or more

View Chart as Image

Car insurance prices for a Chrysler 300 also have a wide range based on the model of your 300, your driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $470 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Chrysler 300 insurance prices. A driver around age 40 might see prices as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

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 Buy Cheaper Chrysler 300 Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers, and also from local insurance agents.

The following is a condensed summary of the data presented in the illustrations above.

• Policyholders who require higher liability limits will pay about $510 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save as much as $160 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $475 each year
• Teens are expensive to insure, as much as $421 per month if comprehensive and collision insurance is included

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