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.

U.S. average insurance prices for a Chrysler 300 are $1,456 every 12 months for full coverage insurance. Comprehensive insurance costs on average $292, collision costs $564, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $3,172 or more. Teen drivers pay the highest rates at $5,490 a year or more.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all 300 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

The ranges above illustrate why everyone should compare rates based on a specific location and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Chrysler 300 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $830
• Drivers who choose higher $1,000 deductibles will pay around $194 each year
• The average price for the average middle-age driver with $500 deductibles is $1,456
• Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $380 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,172 or more
• The price to insure a teenage driver for full coverage may cost $5,490 a year

View Chart as Image

Auto insurance prices for a Chrysler 300 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your 300.

Choosing high deductibles could save up to $580 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. Chrysler 300 insurance for high-risk drivers can cost around 44% to 130% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Affordable Chrysler 300 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

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

• Drivers with DUI or reckless driving convictions pay on average $1,720 more each year to insure a Chrysler 300
• Drivers under the age of 20 are charged the highest prices, as much as $458 a month if comprehensive and collision insurance is included
• It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $575 each year
• It is possible to save as much as $180 per year simply 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