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 including full coverage. Comprehensive insurance costs on average $270 a year, collision costs $494, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,992 or more. Teenage drivers receive the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Rate estimates by individual coverage type:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 300 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

These examples highlight why it is important to compare prices based on a specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Chrysler 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $793
• Using higher $1,000 deductibles will save around $1,204 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,378
• Using low $100 deductibles for physical damage coverage will cost an additional $336 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,992 or more
• The cost that insures a teenage driver may cost $5,240 or more

View Chart as Image

Insurance rates for a Chrysler 300 can also vary considerably based on the trim level of your 300, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,200 a year. View Rates by Age

Where you live has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly 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 Low Cost Chrysler 300 Insurance

Saving money on auto insurance requires being a low-risk driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices once a year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a review of the data that was presented in the illustrations above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Consumers who require more liability coverage will pay an extra $500 per year to increase from a minimum limit to the 250/500 level
• Teen drivers pay the highest rates, as much as $437 per month if full coverage is included
• Drivers who have several accidents or serious violations could be forced to pay on average $1,610 more each year 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