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 auto insurance rates for a Chrysler 300 are $1,378 annually including full coverage. Comprehensive costs approximately $270 each year, collision insurance costs $494, and liability insurance is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $2,992. Teens pay the most at up to $5,240 a year.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

Prices are based on $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

These rate differences highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $793
• Raising to $1,000 deductibles will save $174 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,378
• Selecting low deductibles will cost $1,714
• Higher-risk drivers with serious driving violations could pay around $2,992
• An auto insurance policy with full coverage for a teen driver can cost $5,240

View Chart as Image

Insurance prices for a Chrysler 300 also have a wide range based on the model of your 300, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, 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 violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,970 on average in Louisiana, 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 Affordable Chrysler 300 Insurance

Finding better rates on Chrysler 300 insurance consists of not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a brief review of the material that was touched on in the above illustrations.

• Drivers who purchase higher liability limits will pay approximately $500 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teens are expensive to insure, with the cost nearing $437 per month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,610 more per year for 300 insurance
• Increasing policy deductibles could save up to $500 each year

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