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 prices for a Chrysler 300 are $1,378 every 12 months for full coverage insurance. Comprehensive costs on average $270 a year, collision costs $494, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing around $2,992. 16-year-old drivers receive the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location and their own driving history, rather than relying on rate averages.

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

More Rate Details

The chart below illustrates estimated Chrysler 300 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $793
• Using higher $1,000 deductibles will save around $1,204 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,378
• Buying low $100 deductibles for physical damage coverage increases the price to $1,714
• Drivers with multiple tickets or accidents could pay upwards of $2,992 or more
• The cost to insure a teen driver may cost $5,240 or more

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your 300.

Opting for high physical damage deductibles could cut rates by as much as $510 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates can be significantly different.

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 Affordable Chrysler 300 Insurance

Saving money on Chrysler 300 insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates every year by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the coverage data covered in the above illustrations.

• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing deductibles could save as much as $500 each year
• Teenagers pay the highest rates, costing up to $437 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions pay on average $1,610 more each year for car insurance

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