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 $1,378 a year including full coverage. Comprehensive insurance costs around $270, collision costs $494, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $2,992 or more. Teens pay the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Price estimates for individual coverage:

Includes $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different 300 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Chrysler 300 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $793
• Choosing higher $1,000 deductibles can save about $174 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,378
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $336 each year
• Drivers with serious driving violations could pay at least $2,992 or more
• The price that insures a teenage driver with full coverage can be $5,240 each year

View Chart as Image

Car insurance prices for a Chrysler 300 are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 129% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

The state you live in 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 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices and see how they stack up. Each auto insurer calculates prices differently, so rate quotes 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 takes being a safe and courteous driver, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare rates every couple of years by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a recap of the material that was touched on in the above illustrations.

• Consumers who may need higher levels of liability will pay approximately $500 per year to raise limits from a low limit to the 250/500 level
• Teenage drivers are the costliest to insure, possibly costing $437 a month if full coverage is purchased
• Drivers that have major violations or accidents may have to pay on average $1,610 more every year for auto insurance
• Increasing physical damage deductibles can save approximately $500 each year

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