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 $1,378 a year including full coverage. Comprehensive insurance costs on average $270, collision costs $494, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,992 or more. 16-year-old drivers cost the most to insure at $5,240 a year or more.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all 300 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $793
• Using higher $1,000 deductibles will save around $174 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,378
• Buying pricier low deductibles for physical damage coverage will cost an extra $336 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,992 or more
• Policy cost for full coverage for a teen driver for full coverage may cost $5,240 or more

View Chart as Image

Auto insurance rates for a Chrysler 300 also range considerably based on your risk profile, the model of your 300, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Chrysler 300 insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. Chrysler 300 insurance for high-risk drivers can be as much as 44% to 129% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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

Finding cheaper rates on car insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers who have several accidents or serious violations may pay on average $1,610 more each year to insure a Chrysler 300
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $500 each year
• Policyholders who require increased liability limits will pay around $500 per year to increase from a 30/60 limit to 250/500 limits

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