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 auto insurance rates for a Chrysler 300 are $1,318 annually for full coverage insurance. Comprehensive costs around $258 each year, collision insurance costs $442, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $2,856. Teenage drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,318

Policy rates for type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $765
• Choosing higher $1,000 deductibles can save about $158 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,318
• Using low deductibles for comp and collision coverage will cost $1,628
• Drivers who are prone to accidents and violations could pay at least $2,856
• Policy cost with full coverage for a teenage driver can be $5,046 each year

View Chart as Image

Auto insurance rates for a Chrysler 300 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $470 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Chrysler 300 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,780 on average in Michigan, New York, and Florida.

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 Buy the Cheapest Chrysler 300 Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the information touched on above.

• It is possible to save up to $160 per year just by quoting online in advance
• Youthful drivers are expensive to insure, possibly costing $421 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers that have major violations or accidents pay on average $1,540 more every year than a low-risk driver
• Consumers who may need more liability protection will pay an extra $510 annually to raise limits from a 30/60 limit to higher 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