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 including full coverage. Comprehensive insurance costs an estimated $270, collision insurance costs $494, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $2,992 or more. Teenage drivers pay the most at up to $5,240 a year.

Average premium for full coverage: $1,378

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $793
• Using higher $1,000 deductibles will save approximately $174 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,378
• Using more expensive low deductibles for physical damage coverage will cost an extra $336 every year
• Drivers who are prone to accidents and violations could pay up to $2,992
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,240 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

Where you choose to live 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can be as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

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 Affordable Chrysler 300 Insurance

Finding better rates on car insurance requires being a good driver, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the primary concepts that were touched on above.

• You may be able to save approximately $170 per year just by shopping early and online
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,610 more annually than a safer driver
• Increasing policy deductibles can save around $500 each year
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $437 per month including comprehensive and collision insurance

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