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.

U.S. average auto insurance rates for a Chrysler 300 are $1,378 annually for full coverage. Comprehensive insurance costs around $270, collision insurance costs $494, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $2,992 or more. Teens pay the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Price estimates for individual coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all 300 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below shows average Chrysler 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $793
• Using higher $1,000 deductibles will save about $174 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,378
• Selecting pricier low deductibles for physical damage coverage costs an additional $336 a year
• Drivers with serious driving violations could pay at least $2,992
• The price with full coverage for a teen driver for full coverage can be $5,240 or more

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Car insurance prices for a Chrysler 300 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,600 to $2,300 extra each year, depending on your age. Chrysler 300 insurance for high-risk drivers can be anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.

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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 Low Cost Chrysler 300 Insurance

Getting lower rates on Chrysler 300 insurance requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a review of the primary concepts that were covered above.

• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
• High-risk drivers who have several accidents or serious violations pay an average of $1,610 more every year for auto insurance
• Increasing physical damage deductibles could save up to $500 each year
• Teenage drivers are the costliest to insure, with premiums as much as $437 a month if comprehensive and collision insurance 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