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 $1,378 a year for full coverage. Comprehensive costs approximately $270 each year, collision insurance costs $494, and liability costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $2,992. Teen drivers cost the most to insure at up to $5,240 a year.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and 300 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and risk profile, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $793
• Drivers who choose higher $1,000 deductibles will pay $174 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,378
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,714
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,992
• Policy cost for full coverage for a teen driver can cost $5,240 a year

View Chart as Image

Auto insurance rates for a Chrysler 300 also range considerably based on your risk profile, the trim level of your 300, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state makes a big difference in Chrysler 300 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $510 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than average. View High Risk Driver Rates

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 the Right Chrysler 300 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the material that was raised in the charts and tables above.

• Policyholders who purchase an increased level of liability coverage will pay about $500 each year to go from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $437 each month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,610 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $500 each year

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