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.

Estimated insurance prices for a Chrysler 300 are $1,378 every 12 months for full coverage. Comprehensive insurance costs around $270, collision insurance costs $494, and liability is $456. A policy with only liability insurance costs around $508 a year, and a high-risk policy costs $2,992 or more. Teen drivers pay the most at up to $5,240 a year.

Average premium for full coverage: $1,378

Premium estimates for type of coverage:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $793
• Raising to $1,000 deductibles will save about $174 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,378
• Choosing pricier low deductibles costs an extra $336 every year
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,992
• An auto insurance policy to insure a teen driver for full coverage can be $5,240

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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 trim level and model year.

Choosing high deductibles can reduce prices by up to $510 every year, whereas buying more liability protection will increase prices. 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 may 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 as much as $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 at least $1,600 to $2,300 extra annually, depending on your age. Chrysler 300 insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Chrysler 300 insurance prices. A middle-age driver might find prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 the Right Chrysler 300 Insurance

Finding better rates on car insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a quick rundown of the primary concepts that were raised in the charts and tables above.

• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,610 more every year to buy Chrysler 300 insurance
• Increasing policy deductibles could save as much as $500 each year
• Drivers age 20 and younger are the costliest to insure, as much as $437 per month if the policy includes 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