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 prices for a Chrysler 300 are $1,378 every 12 months including full coverage. Comprehensive costs approximately $270 a year, collision costs $494, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,992. Teenage drivers pay the most at $5,240 a year or more.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

These rate differences highlight why it is important to compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $793
• Drivers who choose higher $1,000 deductibles will pay $1,204 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,378
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,714
• High risk drivers who are prone to accidents and violations could pay around $2,992 or more
• An auto insurance policy to insure a teen driver can cost $5,240 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $510 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay 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

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 Shop for Low Cost Chrysler 300 Insurance

Finding better rates on Chrysler 300 insurance not only requires being a safe and courteous driver, but also having a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest the time to shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a review of the primary concepts that were illustrated above.

• You may be able to save around $170 per year simply by quoting early and online
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,610 more per year for auto insurance
• Increasing policy deductibles could save as much as $500 each year
• Teenage drivers have the highest car insurance prices, with the cost nearing $437 per month if comprehensive and collision insurance 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