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: Jun 6, 2023

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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.

Estimated insurance prices for a Chrysler 300 are $1,456 every 12 months with full coverage. Comprehensive insurance costs on average $292, collision costs $564, and liability coverage is $442. A policy with only liability insurance costs around $496 a year, with a high-risk policy costing $3,172 or more. Teens pay the most at $5,490 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Comprehensive $292
Collision $564
Liability $442

Rates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different 300 trim levels.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Chrysler 300 go from the cheapest price of $496 for your basic liability-only policy to a much higher rate of $3,172 for a high risk driver.

Liability Only $496
Full Coverage $1,456
High Risk $3,172

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of location on car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location 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.

More Rate Information

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

  • The cheapest rate after discounts is $830
  • Raising to $1,000 deductibles will save around $194 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,456
  • Selecting more expensive low deductibles costs an extra $380 each year
  • Unlucky drivers with serious driving violations could pay upwards of $3,172 or more
  • An auto insurance policy to insure a teenage driver with full coverage may cost $5,490

View Chart as Image

Chrysler 300 insurance cost comparison chart
Column chart showing full coverage Chrysler 300 insurance prices range from $830 to $5,490

Car insurance prices for a Chrysler 300 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your 300.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $580 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Chrysler 300 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.

Chrysler 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$138 -9.5%
Alaska $1,118 -$338 -23.2%
Arizona $1,210 -$246 -16.9%
Arkansas $1,456 -$0 0.0%
California $1,662 $206 14.1%
Colorado $1,394 -$62 -4.3%
Connecticut $1,498 $42 2.9%
Delaware $1,648 $192 13.2%
Florida $1,824 $368 25.3%
Georgia $1,346 -$110 -7.6%
Hawaii $1,048 -$408 -28.0%
Idaho $986 -$470 -32.3%
Illinois $1,086 -$370 -25.4%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,386 -$70 -4.8%
Kentucky $1,988 $532 36.5%
Louisiana $2,158 $702 48.2%
Maine $898 -$558 -38.3%
Maryland $1,204 -$252 -17.3%
Massachusetts $1,168 -$288 -19.8%
Michigan $2,532 $1,076 73.9%
Minnesota $1,218 -$238 -16.3%
Mississippi $1,746 $290 19.9%
Missouri $1,294 -$162 -11.1%
Montana $1,566 $110 7.6%
Nebraska $1,148 -$308 -21.2%
Nevada $1,748 $292 20.1%
New Hampshire $1,048 -$408 -28.0%
New Jersey $1,628 $172 11.8%
New Mexico $1,290 -$166 -11.4%
New York $1,536 $80 5.5%
North Carolina $840 -$616 -42.3%
North Dakota $1,194 -$262 -18.0%
Ohio $1,008 -$448 -30.8%
Oklahoma $1,498 $42 2.9%
Oregon $1,336 -$120 -8.2%
Pennsylvania $1,390 -$66 -4.5%
Rhode Island $1,946 $490 33.7%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,230 -$226 -15.5%
Tennessee $1,278 -$178 -12.2%
Texas $1,756 $300 20.6%
Utah $1,080 -$376 -25.8%
Vermont $998 -$458 -31.5%
Virginia $874 -$582 -40.0%
Washington $1,128 -$328 -22.5%
West Virginia $1,336 -$120 -8.2%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,298 -$158 -10.9%

View Chart as Image

Chrysler 300 insurance rates by U.S. city

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.

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 $292 $564 $442 $1,456
2016 Chrysler 300 $258 $442 $460 $1,318
2014 Chrysler 300 $234 $382 $464 $1,238
2012 Chrysler 300 $210 $330 $474 $1,172
2007 Chrysler 300 $172 $218 $460 $1,008
2006 Chrysler 300 $168 $208 $452 $986

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 Cheaper Chrysler 300 Insurance

Finding better rates on auto insurance consists of having a decent driving record, maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to shop around at least every two years by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The following items are a summary of the information that was covered in this article.

  • Increasing policy deductibles could save as much as $575 each year
  • You may be able to save as much as $180 per year simply by shopping early and online
  • Consumers who require additional liability coverage will pay approximately $490 every year to raise from 30/60 bodily injury limits to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, possibly costing $458 per month if the policy includes full coverage
  • Drivers that have multiple accidents or serious violations may pay on average $1,720 more each year than a driver with a clean driving record

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 $5,490
20 $3,382
30 $1,520
40 $1,456
50 $1,332
60 $1,308

Full coverage, $500 deductibles

Rates by Deductible

Chrysler 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,836
$250 $1,660
$500 $1,456
$1,000 $1,262

Full coverage, driver age 40

Rates by Liability Limit

Chrysler 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,620
100/300 $1,731
250/500 $2,018
100 CSL $1,665
300 CSL $1,908
500 CSL $2,085

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler 300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,836
20 $5,396
30 $3,238
40 $3,172
50 $3,030
60 $3,004

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 $207

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $78
Homeowner $22
5-yr Accident Free $109
5-yr Claim Free $95
Paid in Full/EFT $67
Advance Quote $73
Online Quote $104
Total Discounts $626
Rate after discounts $830

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

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