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 auto insurance rates for a Chrysler 300 are $1,378 annually for full coverage. Comprehensive insurance costs on average $270 each year, collision costs $494, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $2,992 or more. Teens pay the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and 300 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $793
• Drivers who choose higher $1,000 deductibles will pay around $174 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,378
• Selecting low deductibles for comprehensive and collision insurance costs an additional $336 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,992 or more
• The price with full coverage for a teen driver may cost $5,240 a year

View Chart as Image

Insurance prices for a Chrysler 300 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

The state you live in 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 Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every company calculates prices differently, so the prices may be quite 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 Affordable Chrysler 300 Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief review of the information raised in the charts and tables above.

• Drivers can save as much as $170 per year simply by quoting online in advance
• Teen drivers pay the highest prices, with premiums as much as $437 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $500 each year
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,610 more each year to insure their 300
• Policyholders who require more liability coverage will pay approximately $500 each year to go from a low limit to higher 250/500 limits

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