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 insurance prices for a Chrysler 300 are $1,378 every 12 months including full coverage. Comprehensive insurance costs on average $270, collision costs $494, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,992 or more. Teenage drivers pay the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all 300 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why everyone should compare prices based on a specific location and their own driving history, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $793
• Using higher $1,000 deductibles will save around $174 every year
• The average price for the average middle-age driver with $500 deductibles is $1,378
• Using pricier low deductibles for physical damage coverage costs an extra $336 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,992 or more
• The price to insure a teen driver for full coverage may cost $5,240 or more

View Chart as Image

Car insurance prices for a Chrysler 300 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your 300.

Using high physical damage deductibles could cut prices by as much as $510 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,300 extra each year, depending on your age. Chrysler 300 insurance for high-risk drivers can be as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Chrysler 300 insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

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 the Right Chrysler 300 Insurance

Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are expensive to insure, possibly costing $437 a month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,610 more each year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $500 each year
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date

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