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 each year, collision costs $494, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $2,992 or more. Teens 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:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $793
• Choosing higher $1,000 deductibles can save around $174 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,378
• Selecting low deductibles for comp and collision coverage will cost an additional $336 a year
• High-risk insureds with serious driving violations could pay upwards of $2,992 or more
• Policy cost that insures a teen driver may cost $5,240 each year

View Chart as Image

Car insurance rates for a Chrysler 300 also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Chrysler 300 insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied.

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 Right Chrysler 300 Insurance

Finding cheaper rates on Chrysler 300 insurance takes not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $170 per year simply by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,610 more each year for 300 insurance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Teens are expensive to insure, with premiums being up to $437 each month if full coverage is purchased

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