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 $1,378 every 12 months including full coverage. Comprehensive insurance costs around $270 a year, collision costs $494, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $2,992 or more. 16-year-old drivers receive the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Rate estimates for individual coverage type:

Rates are based on $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities.

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

These examples highlight why it is important to compare prices for a specific zip code and their own driving history, instead of using rate averages.

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

Detailed 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 $793
• Using higher $1,000 deductibles will save about $1,204 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,378
• Buying low $100 deductibles for physical damage coverage costs an extra $336 every year
• Drivers with multiple tickets or accidents could pay at least $2,992 or more
• The cost to insure a teen driver can be $5,240 or more

View Chart as Image

Car 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.

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

Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $5,200 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 $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Chrysler 300 insurance prices. A driver around age 40 might see rates 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

With so much variability in rates, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes can be significantly 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 Shop for the Best Cheap Chrysler 300 Insurance

Saving money on car insurance requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the material that was touched on in this article.

• Policyholders who may need higher liability limits will pay around $500 per year to increase from a minimum limit to a 250/500 level
• Teens are the costliest to insure, as much as $437 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,610 more every year for 300 insurance
• Increasing deductibles could save as much as $500 each year

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