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.

The average insurance prices for a Chrysler 300 are $1,318 every 12 months with full coverage. Comprehensive insurance costs approximately $258 a year, collision costs $442, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,856 or more. Teens cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,318

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

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

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $765
• Using higher $1,000 deductibles will save $1,160 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,318
• Selecting low $100 deductibles for physical damage coverage costs an extra $310 each year
• Higher-risk drivers with serious driving violations could pay around $2,856 or more
• Policy cost to insure a teenage driver can cost $5,046 or more

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on liability limits and deductibles, your driving record, and the model of your 300.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 135% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, and rates will be varied.

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 Low Cost Chrysler 300 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The list below is a review of the data touched on in this article.

• Consumers who purchase higher liability limits will pay approximately $510 every year to increase from a 30/60 limit to a 250/500 level
• You may be able to save around $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teenagers are the costliest to insure, as much as $421 each month if full coverage is included

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