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.

Estimated insurance rates for a Chrysler 300 are $1,378 a year for full coverage insurance. Comprehensive insurance costs on average $270 each year, collision insurance costs $494, and liability coverage costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $2,992 or more. Teen drivers pay the most at up to $5,240 a year.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location, rather than using price averages.

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

Additional Rate Information

The chart below illustrates average Chrysler 300 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $793
• Drivers who choose higher $1,000 deductibles will pay around $174 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,378
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $336 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,992
• An auto insurance policy that insures a teenage driver may cost $5,240 a year

View Chart as Image

Car insurance prices for a Chrysler 300 also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 129% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $510 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

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 better rates on auto insurance not only requires having a decent driving record, but also having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save as much as $170 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $500 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $437 per month if full coverage is purchased
• Drivers with reckless driving or DUI convictions may pay on average $1,610 more each year than a driver with a clean driving record

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