Chrysler 300 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2020

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Chrysler 300 insurance
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 prices for a Chrysler 300 are $1,484 every 12 months for full coverage. Comprehensive costs around $310, collision insurance costs $586, and liability coverage costs $430. Buying just liability costs as little as $486 a year, and insurance for high-risk drivers costs around $3,218. Teens receive the highest rates at up to $5,532 a year.

Average premium for full coverage: $1,484

Rate estimates for individual coverage type:

Comprehensive $310
Collision $586
Liability $430

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different 300 trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $486 for just the minimum liability insurance to a much higher rate of $3,218 for a driver who has had serious violations or accidents.

Liability Only $486
Full Coverage $1,484
High Risk $3,218

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $1,113
Small Cities $1,558
Large Cities $2,003

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows average Chrysler 300 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $845
  • Drivers who choose higher $1,000 deductibles will pay about $204 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,484
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,878
  • High-risk insureds with serious driving violations could pay at least $3,218
  • The cost to insure a teenage driver with full coverage can be $5,532 a year

View Chart as Image

Chrysler 300 insurance cost comparison chart
Column chart showing Chrysler 300 insurance rates range from $845 to $5,532 for full coverage

Auto insurance rates for a Chrysler 300 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,800 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,120 on average in Michigan, Louisiana, and New York.

Chrysler 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,340 -$144 -9.7%
Alaska $1,138 -$346 -23.3%
Arizona $1,230 -$254 -17.1%
Arkansas $1,484 -$0 0.0%
California $1,688 $204 13.7%
Colorado $1,416 -$68 -4.6%
Connecticut $1,526 $42 2.8%
Delaware $1,678 $194 13.1%
Florida $1,854 $370 24.9%
Georgia $1,368 -$116 -7.8%
Hawaii $1,064 -$420 -28.3%
Idaho $1,002 -$482 -32.5%
Illinois $1,104 -$380 -25.6%
Indiana $1,118 -$366 -24.7%
Iowa $1,000 -$484 -32.6%
Kansas $1,410 -$74 -5.0%
Kentucky $2,022 $538 36.3%
Louisiana $2,194 $710 47.8%
Maine $912 -$572 -38.5%
Maryland $1,222 -$262 -17.7%
Massachusetts $1,188 -$296 -19.9%
Michigan $2,576 $1,092 73.6%
Minnesota $1,240 -$244 -16.4%
Mississippi $1,774 $290 19.5%
Missouri $1,316 -$168 -11.3%
Montana $1,592 $108 7.3%
Nebraska $1,168 -$316 -21.3%
Nevada $1,776 $292 19.7%
New Hampshire $1,068 -$416 -28.0%
New Jersey $1,658 $174 11.7%
New Mexico $1,312 -$172 -11.6%
New York $1,562 $78 5.3%
North Carolina $854 -$630 -42.5%
North Dakota $1,214 -$270 -18.2%
Ohio $1,024 -$460 -31.0%
Oklahoma $1,522 $38 2.6%
Oregon $1,358 -$126 -8.5%
Pennsylvania $1,414 -$70 -4.7%
Rhode Island $1,976 $492 33.2%
South Carolina $1,342 -$142 -9.6%
South Dakota $1,250 -$234 -15.8%
Tennessee $1,298 -$186 -12.5%
Texas $1,786 $302 20.4%
Utah $1,096 -$388 -26.1%
Vermont $1,016 -$468 -31.5%
Virginia $888 -$596 -40.2%
Washington $1,146 -$338 -22.8%
West Virginia $1,358 -$126 -8.5%
Wisconsin $1,026 -$458 -30.9%
Wyoming $1,320 -$164 -11.1%

View Chart as Image

Chrysler 300 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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.

Chrysler 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Chrysler 300 $310 $586 $430 $1,484
2016 Chrysler 300 $270 $494 $456 $1,378
2014 Chrysler 300 $242 $408 $460 $1,268
2012 Chrysler 300 $228 $356 $474 $1,216
2007 Chrysler 300 $174 $224 $468 $1,024
2006 Chrysler 300 $172 $218 $460 $1,008

Rates are averaged for all Chrysler 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Chrysler 300 Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a review of the ideas that were covered in the charts and tables above.

  • Teenage drivers are expensive to insure, costing as high as $461 per month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations may pay on average $1,730 more every year for auto insurance
  • Increasing deductibles could save as much as $600 each year
  • Drivers can save up to $180 per year just by shopping early and online

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.

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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.

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.



Rates by Driver Age

Chrysler 300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,532
20 $3,434
30 $1,546
40 $1,484
50 $1,354
60 $1,328

Full coverage, $500 deductibles

Rates by Deductible

Chrysler 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,878
$250 $1,694
$500 $1,484
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Chrysler 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,484
50/100 $1,646
100/300 $1,754
250/500 $2,033
100 CSL $1,689
300 CSL $1,926
500 CSL $2,098

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler 300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,904
20 $5,470
30 $3,288
40 $3,218
50 $3,072
60 $3,046

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $69
Advance Quote $75
Online Quote $106
Total Discounts $639
Rate after discounts $845

Discounts are estimated and may not be available from every company or in every state.

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