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.

The average insurance rates for a Chrysler 300 are $1,378 a year including full coverage. Comprehensive insurance costs on average $270 each year, collision insurance costs $494, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $2,992 or more. Teenage drivers cost the most to insure at up to $5,240 a year.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 300 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down average Chrysler 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $793
• Raising to $1,000 deductibles will save around $174 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,378
• Using low deductibles will cost an extra $336 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,992
• Policy cost for full coverage for a 16-year-old driver may cost $5,240

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on your risk profile, the model of your 300, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

Your home state also has a big influence on Chrysler 300 insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 129% more than a normal policy. 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 Affordable Chrysler 300 Insurance

Finding cheaper rates on insurance for a Chrysler 300 consists of having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the car insurance concepts touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,610 more each year to buy Chrysler 300 insurance
• You may be able to save as much as $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $500 each year
• Insureds who require increased levels of liability coverage will pay an extra $500 per year to raise from a 30/60 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