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 for full coverage insurance. Comprehensive insurance costs approximately $270 each year, collision costs $494, and liability coverage is $456. Buying just liability costs around $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:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and 300 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $793
• Raising to $1,000 deductibles will save $174 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,378
• Buying low deductibles will cost an additional $336 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,992 or more
• Policy cost that insures a teenage driver can cost $5,240

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $510 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every auto insurance 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 Find the Right Chrysler 300 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

• Teen drivers are expensive to insure, possibly costing $437 each month if full coverage is included
• Drivers with reckless driving or DUI convictions could be charged and average of $1,610 more per year to insure their 300
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• It is possible to save around $170 per year simply by quoting online in advance

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