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 insurance rates for a Chrysler 300 are $1,378 a year for full coverage. Comprehensive insurance costs approximately $270 each year, collision costs $494, and liability insurance is estimated at $456. A policy with only liability insurance costs approximately $508 a year, with a high-risk policy costing $2,992 or more. Teenage drivers pay the most at $5,240 a year or more.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

Estimates include $500 policy 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

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why all drivers should get quotes using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Information

The chart below shows estimated Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $793
• Choosing higher $1,000 deductibles can save $174 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,378
• Using low deductibles for comp and collision coverage will cost an extra $336 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,992 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,240 each year

View Chart as Image

Car insurance prices for a Chrysler 300 also have a wide range based on your driving characteristics, the trim level of your 300, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Where you choose to 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 be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

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

Finding better rates on Chrysler 300 insurance takes being safe and accident-free, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a review of the data raised in the charts and tables above.

• Drivers who purchase more liability protection will pay an extra $500 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Drivers can save around $170 per year simply by quoting online in advance
• Increasing policy deductibles can save around $500 each year
• Youthful drivers pay the highest auto insurance prices, as much as $437 per month if full coverage 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