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 prices for a Chrysler 300 are $1,318 every 12 months including full coverage. Comprehensive costs an estimated $258, collision costs $442, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,856. Teens receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,318

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist 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 have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $765
• Raising to $1,000 deductibles will save approximately $158 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,318
• Selecting more expensive low deductibles increases the price to $1,628
• At-risk drivers with serious driving violations could pay up to $2,856 or more
• The cost to insure a teen driver with full coverage can cost as much as $5,046

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Car insurance rates for a Chrysler 300 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Chrysler 300 insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.

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With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.

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 Affordable Chrysler 300 Insurance

Saving money on car insurance consists of being safe and accident-free, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a brief review of the information touched on above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Youthful drivers have the highest car insurance rates, as much as $421 per month if the policy includes full coverage
• Increasing deductibles could save as much as $475 each year
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,540 more annually than a low-risk driver
• Policyholders who want more liability protection will pay approximately $510 per year to raise from a minimum limit to a 250/500 level

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