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 prices for a Chrysler 300 are $1,378 every 12 months including full coverage. Comprehensive insurance costs approximately $270, collision costs $494, and liability costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $2,992 or more. 16-year-old drivers cost the most to insure at $5,240 a year or more.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $793
• Drivers who choose higher $1,000 deductibles will pay $174 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,378
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $336 annually
• Drivers with multiple tickets or accidents could pay around $2,992 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $5,240 a year

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your 300.

Opting for high physical damage deductibles could save up to $510 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Chrysler 300 insurance for high-risk drivers can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Chrysler 300 insurance prices. A 40-year-old driver 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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied.

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 Low Cost Chrysler 300 Insurance

Finding cheaper rates on insurance for a Chrysler 300 not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a review of the data covered above.

• Insureds who purchase higher liability limits will pay around $500 per year to go from a 30/60 limit to a 250/500 level
• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teens are expensive to insure, with premiums being up to $437 each month if they have full coverage

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