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.

Estimated insurance rates for a Chrysler 300 are $1,378 a year with full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $494, and liability insurance is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing $2,992 or more. 16-year-old drivers pay the most at $5,240 a year or more.

Average premium for full coverage: $1,378

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why it is important to compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Rate Details

The chart below details estimated Chrysler 300 insurance rates for other coverage scenarios.

• The best full coverage rate is $793
• Raising to $1,000 deductibles will save approximately $1,204 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,378
• Buying low $100 deductibles will cost an additional $336 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,992 or more
• An auto insurance policy that insures a teen driver can cost as much as $5,240

View Chart as Image

Car insurance prices for a Chrysler 300 also have a wide range based on the trim level of your 300, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or at least $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $510 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Find Affordable Chrysler 300 Insurance

Finding better rates on Chrysler 300 insurance consists of being a good driver, having a positive credit history, being claim-free, and not having any coverage lapses. Comparison shop once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following list is a brief review of the data that was touched on in this article.

• You may be able to save approximately $170 per year simply by quoting early and online
• Drivers who want an increased level of liability coverage will pay around $500 every year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $437 per month if full coverage is purchased
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,610 more annually than a safer driver

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