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 $1,318 every 12 months including full coverage. Comprehensive costs around $258, collision insurance costs $442, and liability insurance is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs around $2,856. Teenage drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,318

Rate estimates for individual coverage type:

Prices are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all 300 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

These examples highlight why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $765
• Raising to $1,000 deductibles will save about $158 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,318
• Using pricier low deductibles increases the price to $1,628
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,856
• The cost to insure a teen driver for full coverage can be $5,046

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $470 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional per year, depending on your age. Chrysler 300 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,880 on average in Michigan, New York, and Louisiana.

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 Shop for Affordable Chrysler 300 Insurance

Saving money on Chrysler 300 insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief review of the data that was touched on above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Drivers who may need higher liability limits will pay an extra $510 per year to raise from a minimum limit to a 250/500 level
• Teens are charged the highest rates, as much as $421 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,540 more every year for 300 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