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.

Estimated auto insurance rates for a Chrysler 300 are $1,378 annually including full coverage. Comprehensive costs on average $270, collision costs $494, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $2,992. Teen drivers pay the most at $5,240 a year or more.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

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

These rate differences highlight why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $793
• Using higher $1,000 deductibles will save around $174 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,378
• Choosing pricier low deductibles for physical damage coverage will cost $1,714
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,992 or more
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,240 or more

View Chart as Image

Insurance prices for a Chrysler 300 also have a wide range based on the model of your 300, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,300 additional annually, 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

Choosing high deductibles could cut prices by as much as $510 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially 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 Cheap Chrysler 300 Insurance

Finding better rates on Chrysler 300 insurance requires being a low-risk driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by getting quotes from direct car insurance companies, and also from several local insurance agents.

The items below are a brief summary of the data covered in the charts and tables above.

• Drivers who require more liability coverage will pay about $500 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $500 each year
• Teen drivers pay higher prices, with the cost nearing $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