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 insurance rates for a Chrysler 300 are $1,378 a year for full coverage insurance. Comprehensive insurance costs around $270 each year, collision insurance costs $494, and liability coverage costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs $2,992 or more. Teenage drivers receive the highest rates at up to $5,240 a year.

Average premium for full coverage: $1,378

Rate estimates for individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than using average rates.

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 additional coverage choices and driver risks.

• The best discount rate is $793
• Drivers who choose higher $1,000 deductibles will pay about $174 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,378
• Using low deductibles for comprehensive and collision insurance will cost an extra $336 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,992
• The cost for full coverage for a teenage driver can be $5,240 a year

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

Where you 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 be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $510 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can cost around 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 Cheaper Chrysler 300 Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the material that was touched on in the above illustrations.

• Consumers who may need more liability protection will pay an extra $500 annually to go from a minimum limit to 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $437 per month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents may pay on average $1,610 more every year than a low-risk driver
• Increasing deductibles can save around $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