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 auto insurance rates for a Chrysler 300 are $1,378 annually including full coverage. Comprehensive costs an estimated $270 each year, collision costs $494, and liability insurance costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing around $2,992. 16-year-old drivers receive the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine insurance prices.

These examples highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $793
• Drivers who choose higher $1,000 deductibles will pay approximately $174 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,378
• Buying low deductibles for comprehensive and collision insurance will cost $1,714
• High risk drivers with multiple tickets or accidents could pay up to $2,992 or more
• The cost with full coverage for a teen driver can cost as much as $5,240 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and rates can be significantly different between companies.

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 Buy Low Cost Chrysler 300 Insurance

Saving money on Chrysler 300 insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,610 more annually to insure their 300
• Increasing deductibles could save up to $500 each year
• Teen drivers are expensive to insure, as much as $437 per month if they have full coverage

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