Chrysler 300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 30, 2024
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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 insurance prices for a Chrysler 300 are $1,378 every 12 months for full coverage. Comprehensive costs approximately $270, collision costs $494, and liability insurance is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing around $2,992. 16-year-old drivers pay the most at $5,240 a year or more.
Average premium for full coverage: $1,378
Premium estimates by type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all 300 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Chrysler 300 go from the cheapest price of $508 for liability-only coverage to the much higher price of $2,992 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences show why everyone should compare rates quotes using their specific location and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows 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 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,378
- Buying pricier low deductibles increases the price to $1,714
- Higher-risk drivers with multiple tickets or accidents could pay around $2,992 or more
- An auto insurance policy to insure a teen driver for full coverage can cost $5,240
Car insurance prices for a Chrysler 300 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your 300.
Opting for high physical damage deductibles can reduce prices by up to $510 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Chrysler 300 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find prices 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,246 | -$132 | -9.6% |
| Alaska | $1,056 | -$322 | -23.4% |
| Arizona | $1,144 | -$234 | -17.0% |
| Arkansas | $1,378 | -$0 | 0.0% |
| California | $1,570 | $192 | 13.9% |
| Colorado | $1,318 | -$60 | -4.4% |
| Connecticut | $1,418 | $40 | 2.9% |
| Delaware | $1,560 | $182 | 13.2% |
| Florida | $1,724 | $346 | 25.1% |
| Georgia | $1,272 | -$106 | -7.7% |
| Hawaii | $990 | -$388 | -28.2% |
| Idaho | $930 | -$448 | -32.5% |
| Illinois | $1,028 | -$350 | -25.4% |
| Indiana | $1,038 | -$340 | -24.7% |
| Iowa | $930 | -$448 | -32.5% |
| Kansas | $1,308 | -$70 | -5.1% |
| Kentucky | $1,880 | $502 | 36.4% |
| Louisiana | $2,038 | $660 | 47.9% |
| Maine | $850 | -$528 | -38.3% |
| Maryland | $1,136 | -$242 | -17.6% |
| Massachusetts | $1,102 | -$276 | -20.0% |
| Michigan | $2,394 | $1,016 | 73.7% |
| Minnesota | $1,154 | -$224 | -16.3% |
| Mississippi | $1,652 | $274 | 19.9% |
| Missouri | $1,222 | -$156 | -11.3% |
| Montana | $1,480 | $102 | 7.4% |
| Nebraska | $1,084 | -$294 | -21.3% |
| Nevada | $1,652 | $274 | 19.9% |
| New Hampshire | $992 | -$386 | -28.0% |
| New Jersey | $1,540 | $162 | 11.8% |
| New Mexico | $1,222 | -$156 | -11.3% |
| New York | $1,452 | $74 | 5.4% |
| North Carolina | $794 | -$584 | -42.4% |
| North Dakota | $1,126 | -$252 | -18.3% |
| Ohio | $950 | -$428 | -31.1% |
| Oklahoma | $1,414 | $36 | 2.6% |
| Oregon | $1,262 | -$116 | -8.4% |
| Pennsylvania | $1,314 | -$64 | -4.6% |
| Rhode Island | $1,838 | $460 | 33.4% |
| South Carolina | $1,246 | -$132 | -9.6% |
| South Dakota | $1,162 | -$216 | -15.7% |
| Tennessee | $1,206 | -$172 | -12.5% |
| Texas | $1,660 | $282 | 20.5% |
| Utah | $1,022 | -$356 | -25.8% |
| Vermont | $944 | -$434 | -31.5% |
| Virginia | $826 | -$552 | -40.1% |
| Washington | $1,064 | -$314 | -22.8% |
| West Virginia | $1,262 | -$116 | -8.4% |
| Wisconsin | $954 | -$424 | -30.8% |
| Wyoming | $1,228 | -$150 | -10.9% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chrysler 300 Touring 4-Dr Sedan | $1,278 | $107 |
| Chrysler 300 Touring Plus 4-Dr Sedan | $1,310 | $109 |
| Chrysler 300 S V6 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring Executive 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring Signature 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring AWD 4-Dr | $1,344 | $112 |
| Chrysler 300 Limited 4-Dr Sedan | $1,378 | $115 |
| Chrysler 300 Touring Signature AWD 4-Dr | $1,378 | $115 |
| Chrysler 300 C 4-Dr Sedan | $1,410 | $118 |
| Chrysler 300 Limited AWD 4-Dr | $1,410 | $118 |
| Chrysler 300 S V8 4-Dr Sedan | $1,410 | $118 |
| Chrysler 300 C AWD 4-Dr | $1,444 | $120 |
| Chrysler 300 SRT-8 4-Dr Sedan | $1,444 | $120 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Chrysler 300 | $332 | $626 | $398 | $1,514 |
| 2022 Chrysler 300 | $320 | $610 | $416 | $1,504 |
| 2021 Chrysler 300 | $310 | $586 | $430 | $1,484 |
| 2020 Chrysler 300 | $292 | $564 | $442 | $1,456 |
| 2019 Chrysler 300 | $282 | $524 | $452 | $1,416 |
| 2018 Chrysler 300 | $270 | $494 | $456 | $1,378 |
| 2017 Chrysler 300 | $258 | $442 | $460 | $1,318 |
| 2016 Chrysler 300 | $242 | $408 | $460 | $1,268 |
| 2014 Chrysler 300 | $228 | $356 | $474 | $1,216 |
| 2012 Chrysler 300 | $206 | $300 | $478 | $1,142 |
| 2007 Chrysler 300 | $168 | $208 | $452 | $986 |
| 2006 Chrysler 300 | $154 | $198 | $446 | $956 |
Rates are averaged for all Chrysler 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Chrysler 300 Insurance
Finding better rates on Chrysler 300 insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a condensed summary of the car insurance concepts covered above.
- High-risk drivers with multiple at-fault accidents may pay on average $1,610 more per year for auto insurance
- Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $500 each year
- Drivers who purchase higher levels of liability will pay around $500 each year to raise from 30/60 bodily injury limits to a 250/500 level
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.
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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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,188 |
| 30 | $1,428 |
| 40 | $1,378 |
| 50 | $1,260 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,714 |
| $250 | $1,558 |
| $500 | $1,378 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,378 |
| 50/100 | $1,535 |
| 100/300 | $1,649 |
| 250/500 | $1,946 |
| 100 CSL | $1,581 |
| 300 CSL | $1,832 |
| 500 CSL | $2,014 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,466 |
| 20 | $5,080 |
| 30 | $3,046 |
| 40 | $2,992 |
| 50 | $2,856 |
| 60 | $2,832 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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