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 costs approximately $270, collision insurance costs $494, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,992. Teen drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured 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

Where you live has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and risk profile, rather than relying on price averages.

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

More Rate Information

The chart below breaks down average Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $793
• Using higher $1,000 deductibles will save $174 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,378
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,714
• Drivers with multiple violations and an at-fault accident could pay around $2,992
• The cost for full coverage for a teen driver for full coverage can cost $5,240 or more

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 physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Where you live has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $510 each year, whereas buying more liability protection will push rates upward. 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 anywhere from $1,600 to $2,300 extra per year, depending on your age. Chrysler 300 insurance for high-risk drivers can be anywhere from 44% to 129% more than average. 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

Saving money on Chrysler 300 insurance requires being a low-risk driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a recap of the concepts that were touched on in the above illustrations.

• High-risk drivers that have major violations or accidents could be forced to pay on average $1,610 more per year to insure their 300
• Teen drivers pay the highest auto insurance rates, as much as $437 per month if full coverage is included
• You may be able to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $500 each year
• You may be able to save around $170 per year just by quoting online well ahead of the renewal date

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