Chrysler 300 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 30, 2024
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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 $1,318 a year including full coverage. Comprehensive insurance costs around $258 each year, collision costs $442, and liability insurance costs $460. A policy with only liability insurance costs as little as $510 a year, with a high-risk policy costing $2,856 or more. 16-year-old drivers pay the most at $5,046 a year or more.
Average premium for full coverage: $1,318
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and 300 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Chrysler 300 go from as low as $510 for just the minimum liability insurance to a high rate of $2,856 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down estimated Chrysler 300 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $765
- Drivers who choose higher $1,000 deductibles will pay about $158 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,318
- Buying low deductibles for comprehensive and collision insurance will cost an extra $310 a year
- High risk drivers with multiple tickets or accidents could pay at least $2,856 or more
- An auto insurance policy for full coverage for a teen driver can be $5,046 a year
Car insurance prices for a Chrysler 300 also have a wide range based on your driving characteristics, the model of your 300, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,000 a year. View Rates by Age
Where you choose to live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,880 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,194 | -$124 | -9.4% |
| Alaska | $1,012 | -$306 | -23.2% |
| Arizona | $1,096 | -$222 | -16.8% |
| Arkansas | $1,318 | -$0 | 0.0% |
| California | $1,502 | $184 | 14.0% |
| Colorado | $1,260 | -$58 | -4.4% |
| Connecticut | $1,356 | $38 | 2.9% |
| Delaware | $1,492 | $174 | 13.2% |
| Florida | $1,652 | $334 | 25.3% |
| Georgia | $1,216 | -$102 | -7.7% |
| Hawaii | $948 | -$370 | -28.1% |
| Idaho | $894 | -$424 | -32.2% |
| Illinois | $982 | -$336 | -25.5% |
| Indiana | $994 | -$324 | -24.6% |
| Iowa | $888 | -$430 | -32.6% |
| Kansas | $1,254 | -$64 | -4.9% |
| Kentucky | $1,800 | $482 | 36.6% |
| Louisiana | $1,952 | $634 | 48.1% |
| Maine | $816 | -$502 | -38.1% |
| Maryland | $1,090 | -$228 | -17.3% |
| Massachusetts | $1,056 | -$262 | -19.9% |
| Michigan | $2,292 | $974 | 73.9% |
| Minnesota | $1,104 | -$214 | -16.2% |
| Mississippi | $1,580 | $262 | 19.9% |
| Missouri | $1,170 | -$148 | -11.2% |
| Montana | $1,418 | $100 | 7.6% |
| Nebraska | $1,040 | -$278 | -21.1% |
| Nevada | $1,582 | $264 | 20.0% |
| New Hampshire | $950 | -$368 | -27.9% |
| New Jersey | $1,474 | $156 | 11.8% |
| New Mexico | $1,170 | -$148 | -11.2% |
| New York | $1,390 | $72 | 5.5% |
| North Carolina | $758 | -$560 | -42.5% |
| North Dakota | $1,080 | -$238 | -18.1% |
| Ohio | $912 | -$406 | -30.8% |
| Oklahoma | $1,356 | $38 | 2.9% |
| Oregon | $1,208 | -$110 | -8.3% |
| Pennsylvania | $1,258 | -$60 | -4.6% |
| Rhode Island | $1,760 | $442 | 33.5% |
| South Carolina | $1,194 | -$124 | -9.4% |
| South Dakota | $1,114 | -$204 | -15.5% |
| Tennessee | $1,156 | -$162 | -12.3% |
| Texas | $1,592 | $274 | 20.8% |
| Utah | $978 | -$340 | -25.8% |
| Vermont | $902 | -$416 | -31.6% |
| Virginia | $792 | -$526 | -39.9% |
| Washington | $1,022 | -$296 | -22.5% |
| West Virginia | $1,210 | -$108 | -8.2% |
| Wisconsin | $912 | -$406 | -30.8% |
| Wyoming | $1,176 | -$142 | -10.8% |
Opting for high physical damage deductibles could save up to $470 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chrysler 300 Touring 4-Dr Sedan | $1,228 | $102 |
| Chrysler 300 Touring Plus 4-Dr Sedan | $1,258 | $105 |
| Chrysler 300 S V6 4-Dr Sedan | $1,288 | $107 |
| Chrysler 300 Touring Executive 4-Dr Sedan | $1,288 | $107 |
| Chrysler 300 Touring Signature 4-Dr Sedan | $1,288 | $107 |
| Chrysler 300 Touring AWD 4-Dr | $1,288 | $107 |
| Chrysler 300 Limited 4-Dr Sedan | $1,318 | $110 |
| Chrysler 300 Touring Signature AWD 4-Dr | $1,318 | $110 |
| Chrysler 300 C 4-Dr Sedan | $1,350 | $113 |
| Chrysler 300 Limited AWD 4-Dr | $1,350 | $113 |
| Chrysler 300 S V8 4-Dr Sedan | $1,350 | $113 |
| Chrysler 300 C AWD 4-Dr | $1,380 | $115 |
| Chrysler 300 SRT-8 4-Dr Sedan | $1,380 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Chrysler 300 | $320 | $610 | $416 | $1,504 |
| 2022 Chrysler 300 | $310 | $586 | $430 | $1,484 |
| 2021 Chrysler 300 | $292 | $564 | $442 | $1,456 |
| 2020 Chrysler 300 | $282 | $524 | $452 | $1,416 |
| 2019 Chrysler 300 | $270 | $494 | $456 | $1,378 |
| 2018 Chrysler 300 | $258 | $442 | $460 | $1,318 |
| 2017 Chrysler 300 | $242 | $408 | $460 | $1,268 |
| 2016 Chrysler 300 | $234 | $382 | $464 | $1,238 |
| 2014 Chrysler 300 | $210 | $330 | $474 | $1,172 |
| 2012 Chrysler 300 | $192 | $274 | $474 | $1,098 |
| 2007 Chrysler 300 | $154 | $198 | $446 | $956 |
| 2006 Chrysler 300 | $150 | $188 | $442 | $938 |
Rates are averaged for all Chrysler 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Chrysler 300 Insurance
Finding better rates on Chrysler 300 insurance not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the data that was raised in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting online in advance
- Drivers who may need more liability protection will pay around $510 per year to go from 30/60 bodily injury limits to 250/500 limits
- Youthful drivers are the costliest to insure, with the cost nearing $421 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions pay on average $1,540 more every year than a low-risk 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.
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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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,046 |
| 20 | $3,042 |
| 30 | $1,366 |
| 40 | $1,318 |
| 50 | $1,206 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,484 |
| $500 | $1,318 |
| $1,000 | $1,160 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,318 |
| 50/100 | $1,472 |
| 100/300 | $1,587 |
| 250/500 | $1,886 |
| 100 CSL | $1,518 |
| 300 CSL | $1,771 |
| 500 CSL | $1,955 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,174 |
| 20 | $4,846 |
| 30 | $2,908 |
| 40 | $2,856 |
| 50 | $2,730 |
| 60 | $2,706 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $553 |
Discounts are estimated and may not be available from every company or in every state.
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