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 rates for a Chrysler 300 are $1,318 a year including full coverage. Comprehensive costs approximately $258, collision insurance costs $442, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,856. Teens cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,318

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $765
• Using higher $1,000 deductibles will save $158 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,318
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,628
• Drivers with serious driving violations could pay around $2,856
• Policy cost that insures a teen driver with full coverage can cost $5,046 or more

View Chart as Image

Car insurance rates for a Chrysler 300 also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Chrysler 300 insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Cheap Chrysler 300 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a brief summary of the car insurance concepts covered above.

• Higher risk drivers that tend to have accidents or serious violations will likely pay on average $1,540 more per year for car insurance
• You may be able to save around $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Policyholders who purchase higher liability limits will pay approximately $510 per year to increase from a 30/60 limit to the 250/500 level

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