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 $1,378 every 12 months for full coverage. Comprehensive insurance costs an estimated $270, collision insurance costs $494, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $2,992 or more. 16-year-old drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all 300 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities. The example below illustrates how location helps determine insurance prices.

These examples show why everyone should get quotes for a targeted area and their own driving history, rather than using rate averages.

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

More Rate Information

The chart below shows average Chrysler 300 insurance rates for other coverage scenarios.

• The best full coverage rate is $793
• Choosing higher $1,000 deductibles can save approximately $174 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,378
• Buying pricier low deductibles for comp and collision coverage costs an extra $336 each year
• Drivers with multiple tickets or accidents could pay up to $2,992
• The cost to insure a teenage driver for full coverage can cost as much as $5,240 each year

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

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

A more mature driver with a good driving record and higher deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,300 in extra premium per year, depending on your age. Chrysler 300 insurance for high-risk drivers ranges around 44% to 129% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Chrysler 300 insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.

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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 More Affordable Chrysler 300 Insurance

Saving money on auto insurance takes being a low-risk driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a summary of the data covered in the charts and tables above.

• Consumers who want more liability coverage will pay around $500 each year to raise limits from a minimum limit to a 250/500 level
• Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $500 each year
• Teen drivers are the costliest to insure, costing as high as $437 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