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.

U.S. average insurance rates for a Chrysler 300 are $1,416 a year for full coverage. Comprehensive costs approximately $282, collision costs $524, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $3,074. Teen drivers pay the highest rates at $5,354 a year or more.

Average premium for full coverage: $1,416

Price estimates by individual coverage:

Includes $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different 300 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows estimated Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $812
• Using higher $1,000 deductibles will save $184 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,416
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,772
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,074 or more
• The price that insures a teenage driver with full coverage can cost $5,354 or more

View Chart as Image

Insurance prices for a Chrysler 300 are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be around 43% to 134% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,020 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $540 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, so the prices may be quite different.

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 Cheapest Chrysler 300 Insurance

Getting lower rates on auto insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The next list is a recap of the primary concepts that were covered in the above illustrations.

• Drivers can save around $170 per year simply by shopping early and online
• Drivers that have major violations or accidents could be forced to pay on average $1,660 more per year to buy Chrysler 300 insurance
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $446 a month if full coverage is included

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