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 $1,378 annually for full coverage insurance. Comprehensive insurance costs an estimated $270 each year, collision costs $494, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $2,992 or more. 16-year-old drivers pay the most at $5,240 a year or more.

Average premium for full coverage: $1,378

Premium estimates broken down by type of coverage:

Estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities.

The graphic below illustrates how your location can change insurance prices.

These rate differences illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $793
• Choosing higher $1,000 deductibles can save approximately $174 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,378
• Buying low deductibles for comp and collision coverage costs an additional $336 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,992 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,240 each year

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Auto insurance prices for a Chrysler 300 also have a wide range based on the model of your 300, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,600 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Chrysler 300 insurance prices. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,860 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices 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 Low Cost Chrysler 300 Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around once a year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the data that was illustrated above.

• It is possible to save approximately $170 per year simply by quoting online in advance
• Policyholders who want higher liability limits will pay around $500 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teens are the costliest to insure, with premiums being up to $437 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,610 more annually for 300 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