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.

Average insurance rates for a Chrysler 300 are $1,318 a year for full coverage insurance. Comprehensive costs approximately $258, collision costs $442, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,856. 16-year-old drivers receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all 300 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $765
• Raising to $1,000 deductibles will save $158 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,318
• Buying pricier low deductibles will increase the cost to $1,628
• Drivers with multiple tickets or accidents could pay around $2,856 or more
• The cost for full coverage for a 16-year-old driver for full coverage can cost $5,046

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live also has a big influence on Chrysler 300 insurance prices. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Chrysler 300 insurance for high-risk drivers is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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 Cheaper Chrysler 300 Insurance

Saving money on insurance for a Chrysler 300 consists of being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below is a condensed summary of the information raised in the charts and tables above.

• It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are expensive to insure, costing up to $421 per month for full coverage
• Increasing deductibles can save around $475 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,540 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay around $510 annually to raise from a minimum limit to 250/500 limits

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