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 insurance rates for a Chrysler 300 are $1,456 a year including full coverage. Comprehensive costs an estimated $292, collision insurance costs $564, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $3,172. 16-year-old drivers cost the most to insure at up to $5,490 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 300 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why everyone should get quotes for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $830
• Choosing higher $1,000 deductibles can save approximately $194 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,456
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,836
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,172
• Policy cost that insures a 16-year-old driver for full coverage can cost as much as $5,490 each year

View Chart as Image

Car insurance rates for a Chrysler 300 also range considerably based on the model of your 300, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,400 extra every year, depending on your age. Chrysler 300 insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Chrysler 300 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $580 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 Cheaper Chrysler 300 Insurance

Finding cheaper rates on insurance for a Chrysler 300 takes being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the coverage data covered in the above illustrations.

• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $458 each month if full coverage is purchased
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $1,720 more annually to insure their 300

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