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.

Average auto insurance rates for a Chrysler 300 are $1,318 annually for full coverage insurance. Comprehensive insurance costs an estimated $258, collision insurance costs $442, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,856 or more. 16-year-old drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,318

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The example below illustrates how geographic area affects insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Chrysler 300 insurance rates for other coverage scenarios.

• The best full coverage rate is $765
• Drivers who choose higher $1,000 deductibles will pay approximately $158 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,318
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $310 annually
• Drivers with multiple tickets or accidents could pay up to $2,856
• The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,046 a year

View Chart as Image

Car insurance rates for a Chrysler 300 can also vary considerably based on the trim level of your 300, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,600 to $2,200 extra per year, depending on your age. Chrysler 300 insurance for high-risk drivers can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $470 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chrysler 300 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, 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 Right Chrysler 300 Insurance

Saving money on insurance for a Chrysler 300 not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a quick rundown of the information presented in the illustrations above.

• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
• Teen drivers have the highest car insurance rates, costing up to $421 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $475 each year
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,540 more annually to insure their 300
• Insureds who want more liability coverage will pay around $510 annually to go from a minimum 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