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 auto insurance rates for a Chrysler 300 are $1,378 annually for full coverage. Comprehensive insurance costs approximately $270 a year, collision insurance costs $494, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $2,992 or more. 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:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

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 $1,204 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,378
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $336 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,992
• Policy cost with full coverage for a 16-year-old driver can cost $5,240 a year

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $510 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

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

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 the Best Cheap Chrysler 300 Insurance

Finding cheaper rates on insurance for a Chrysler 300 not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick review of the ideas that were touched on in the above illustrations.

• Youthful drivers are expensive to insure, costing up to $437 each month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,610 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers can save around $170 per year just by quoting early and online

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