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 auto insurance rates for a Chrysler 300 are $1,378 annually for full coverage. Comprehensive insurance costs an estimated $270, collision costs $494, and liability insurance is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $2,992 or more. Teen drivers cost the most to insure at $5,240 a year or more.

Average premium for full coverage: $1,378

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $793
• Raising to $1,000 deductibles will save approximately $174 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,378
• Choosing more expensive low deductibles costs an additional $336 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,992 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,240

View Chart as Image

Car insurance rates for a Chrysler 300 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $510 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Affordable Chrysler 300 Insurance

Finding cheaper rates on Chrysler 300 insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the material that was presented in the illustrations above.

• Drivers who want more liability coverage will pay about $500 each year to raise from a 30/60 limit to higher 250/500 limits
• Teen drivers have the highest car insurance rates, costing up to $437 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,610 more annually to insure their 300
• Increasing comprehensive and collision deductibles could save up to $500 each year

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