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.

U.S. average insurance rates for a Chrysler 300 are $1,378 a year including full coverage. Comprehensive costs approximately $270, collision insurance costs $494, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs around $2,992. 16-year-old drivers pay the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different 300 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $793
• Choosing higher $1,000 deductibles can save $174 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,378
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,714
• Higher-risk drivers with multiple tickets or accidents could pay around $2,992
• The price for full coverage for a 16-year-old driver with full coverage can cost $5,240 each year

View Chart as Image

Car insurance prices for a Chrysler 300 are also quite variable based on your driving record, the model of your 300, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chrysler 300 insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges from 44% to 129% more than the average rate. 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

Getting lower rates on insurance for a Chrysler 300 takes having a good driving record, having above-average credit, being claim-free, and attention to physical damage deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a review of the information presented in the illustrations above.

• You may be able to save around $170 per year just by shopping early and online
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $437 a month if full coverage is included
• Increasing physical damage deductibles can save around $500 each year
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,610 more per year to buy Chrysler 300 insurance
• Insureds who purchase increased levels of liability coverage will pay around $500 per year to raise limits from a low limit to 250/500 limits

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