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 prices for a Chrysler 300 are $1,378 every 12 months with full coverage. Comprehensive costs approximately $270 each year, collision costs $494, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $2,992. Teenage drivers pay the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and 300 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.

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

The ranges above demonstrate why all drivers should compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $793
• Raising to $1,000 deductibles will save $174 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $1,378
• Using low deductibles increases the price to $1,714
• At-risk drivers who are prone to accidents and violations could pay around $2,992 or more
• The price to insure a teen driver can cost $5,240

View Chart as Image

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

Using high physical damage deductibles can reduce prices by up to $510 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability 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

More mature drivers with no driving violations and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Chrysler 300 insurance prices. A middle-age driver might find prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, 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 Shop for More Affordable Chrysler 300 Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a summary of the material that was illustrated above.

• Policyholders who purchase higher liability limits will pay an extra $500 every year to raise from a low limit to a 250/500 level
• Teens pay the highest auto insurance prices, costing up to $437 a month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,610 more per year for 300 insurance
• Increasing physical damage deductibles could save as much as $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