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 auto insurance rates for a Chrysler 300 are $1,378 annually for full coverage. Comprehensive costs an estimated $270 a year, collision insurance costs $494, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $2,992. 16-year-old drivers pay the most at up to $5,240 a year.

Average premium for full coverage: $1,378

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than congested cities. The diagram below illustrates how location helps determine insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $793
• Drivers who choose higher $1,000 deductibles will pay approximately $1,204 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,378
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,714
• High-risk insureds with multiple tickets or accidents could pay up to $2,992
• An auto insurance policy with full coverage for a teenage driver can cost as much as $5,240 a year

View Chart as Image

Insurance prices for a Chrysler 300 also have a wide range based on the model of your 300, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $510 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver 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.

View Chart as Image

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 Buy Cheaper Chrysler 300 Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following list is a condensed summary of the information covered in the charts and tables above.

• Drivers can save approximately $170 per year just by quoting early and online
• Drivers age 16 to 20 are expensive to insure, as much as $437 per month if they have full coverage
• Increasing policy deductibles could save up to $500 each year
• Drivers with multiple at-fault accidents may pay on average $1,610 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay around $500 each year to go from 30/60 bodily injury limits to higher 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