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.

U.S. average insurance rates for a Chrysler 300 are $1,378 a year for full coverage insurance. Comprehensive insurance costs approximately $270 each year, collision insurance costs $494, and liability coverage is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $2,992 or more. 16-year-old drivers pay the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

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

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 and risk scenarios.

• The best full coverage rate is $793
• Raising to $1,000 deductibles will save $174 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,378
• Buying low deductibles will cost an extra $336 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,992
• The price for full coverage for a teenage driver can cost $5,240

View Chart as Image

Insurance prices for a Chrysler 300 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find prices 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 prices by up to $510 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 additional each 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

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 Cheapest Chrysler 300 Insurance

Getting lower rates on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a recap of the car insurance concepts raised in the charts and tables above.

• Drivers that have major violations or accidents may pay on average $1,610 more per year to buy Chrysler 300 insurance
• It is possible to save around $170 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $500 each year
• Consumers who purchase increased levels of liability coverage will pay around $500 annually to raise from a low 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