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 $1,378 a year including full coverage. Comprehensive insurance costs around $270, collision insurance costs $494, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $2,992 or more. 16-year-old drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates for individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $793
• Drivers who choose higher $1,000 deductibles will pay about $174 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,378
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $336 every year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,992
• The cost for full coverage for a teen driver with full coverage can be $5,240 a year

View Chart as Image

Car insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the model of your 300, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

Where you live makes a big difference in Chrysler 300 insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $510 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost as much as 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 Best Chrysler 300 Insurance

Saving money on car insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates every year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a brief recap of the coverage data covered in the charts and tables above.

• You may be able to save up to $170 per year just by shopping early and online
• Increasing deductibles can save around $500 each year
• Teen drivers are the costliest to insure, as much as $437 per month if full coverage is included
• Higher risk drivers who tend to receive serious violations pay on average $1,610 more every year to insure their 300

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