Chrysler Sebring Insurance Rates
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UPDATED: Mar 23, 2020
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Finding cheap car insurance prices on your Chrysler Sebring can be difficult. There are multiple factors that insurers use to calculate rates, and it can be hard to determine which factors of your Chrysler Sebring are affecting your monthly premiums the most.
Luckily, we are here to help guide you through Chrysler Sebring insurance rates. Our guide goes over everything to do with vehicle rates, from where you live to the average insurance losses for the Chrysler Sebring.
If you want to start saving on car insurance for your Chrysler Sebring, enter your ZIP code in our free rate tool.
Average insurance rates for a Chrysler Sebring are $902 a year for full coverage. Comprehensive costs on average $132 a year, collision costs $170, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,940. Teen drivers receive the highest rates at $3,708 a year or more.
Average premium for full coverage: $902
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sebring trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $1,940 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
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.
Insurance Rate Analysis
The chart below shows estimated Chrysler Sebring insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $554
- Drivers who choose higher $1,000 deductibles will pay around $832 a year
- The average rate for a 40-year-old driver with $500 deductibles is $902
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,034
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,940 or more
- The cost for full coverage for a teen driver may cost $3,708 a year
for a Chrysler Sebring can also vary considerably based on your driver profile, the trim level of your Sebring, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,700 a year. View Rates by Age
Where you live makes a big difference in Chrysler Sebring insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Idaho, Maine, and Iowa, or as much as $1,290 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $210 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,500 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 40% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Chrysler Sebring Touring 4-Dr Sedan||$878||$73|
|Chrysler Sebring Limited 4-Dr Sedan||$890||$74|
|Chrysler Sebring LX 2-Dr Convertible||$894||$75|
|Chrysler Sebring Touring 2-Dr Convertible||$908||$76|
|Chrysler Sebring Limited 2-Dr Convertible||$938||$78|
Rates assume 1999 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2010 Chrysler Sebring||$182||$272||$478||$1,090|
|2009 Chrysler Sebring||$170||$248||$474||$1,050|
|2008 Chrysler Sebring||$160||$226||$474||$1,018|
|2007 Chrysler Sebring||$154||$202||$468||$982|
|2006 Chrysler Sebring||$152||$198||$460||$968|
|2005 Chrysler Sebring||$150||$188||$452||$948|
|2004 Chrysler Sebring||$138||$180||$446||$922|
Rates are averaged for all Chrysler Sebring models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Chrysler Sebring Insurance
Saving money on Chrysler Sebring insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $200 each year
- Drivers can save as much as $100 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $309 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,040 more each year for insurance
If you take a look at the recap list, you can see that while it is possible to save money, there are some factors outside of your control. If you are young or have a poor driving record, you will still pay high insurance rates.
How does the size and class of the Chrysler Sebring affect liability car insurance rates?
Before we discuss how the size and class of the Chrysler Sebring affect liability rates, we first need to establish what liability coverage covers. Liability coverage consists of bodily injury coverage and property damage coverage. Both of these coverages are designed to protect you if you cause an accident by paying for the other driver’s property damage and medical bills.
If you don’t have these coverages, you will have to pay out of pocket for the other driver’s accident expenses. You will also be breaking the law, as most states’ laws require every driver to have liability coverage.
As for how the size and class of a vehicle affect your liability costs, it is simple. Size and class affect how much damage you will do to another vehicle. If your car is a lightweight vehicle, it probably won’t do much damage to other vehicles. If your car is heavyweight, it can cause more serious damage and injuries to other drivers and their cars.
The Chrysler Sebring is classified as a midsize, four-door car. All trims and body styles of the Chrysler Sebring will be classified under this same size and class. The size and class are what insurers will look at when they are examining the liability losses (how many claims insurers have paid) for the Chrysler Sebring. So if the Chrysler Sebring has a high loss number, insurers will charge more for liability insurance.
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What does liability insurance cost for a Chrysler Sebring?
Now that you understand how liability losses affect prices, we want to share quote rates from Geico. The sample rate we collected was based on a quote for a 40-year-old male driver from Pennsylvania with a bachelor’s degree. He has a clean driving record, owns his Chrysler Sebring, and travels an average of 13,000 miles a year.
The list below shows how six-month premium prices change for bodily injury liability when you adjust the coverage level.
- Low ($15,000/$30,00): $37.16
- Medium ($100,000/$200,000): $76.16
- High ($500,000/$500,000): $122.61
The upgrade from low to high bodily injury liability will cost about $85. Broken down, this means about an extra $14 per month. This isn’t bad at all. However, you’ll find that the property damage liability costs much more than bodily injury liability, so your final liability bill could be quite high. Let’s take a look at price increases for property damage liability.
- Low ($5,000): $435.25
- Medium ($20,000): $464.05
- High ($100,000): $485.08
The cost of going from low to high coverage is only $50. This isn’t bad at all. Overall, the total cost to go from low to high coverage for both bodily injury and property damage liability is only $135, or $22 a month. This isn’t too bad a price to pay for complete protection if you cause an accident in your Chrysler Sebring.
What are the safety features and ratings of the Chrysler Sebring?
When you shop for a car, it’s important to remember that safety is just as important as looks. Any parent who has bought a car for a teen probably first checks out the safety features and crash rating. Insurers also want to know how well a car will prevent a crash and how well a car will hold up in a crash.
The latest model year of the Chrysler Sebring was in 2010. AutoBlog.com listed the following safety features for this 2010 model year:
- Crash Safety Features: Front-impact airbags, side-impact airbags, seatbelt pretensioners, and anti-whiplash head restraints.
- Crash Prevention Safety Features: Anti-lock brakes.
- Anti-Theft Safety Features: Ignition disable device.
The Chrysler Sebring is a little light on safety features, as it is an older car. There are no overhead airbags, collision warning systems, or daytime running lights. Since the Chrysler Sebring has been discontinued, you won’t be able to upgrade to a newer version with these safety features.
The result? Insurers may not offer you as many discounts for a Chrysler Sebring, as it lacks numerous safety features. The good news is that even though the Chrysler Sebring has few safety features, it has a great crash safety rating.
The Insurance Institute for Highway Safety (IIHS) gave the following crashworthiness safety ratings to the 2010 Chrysler Sebring four-door sedan.
- Small overlap front (driver-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Acceptable is the second-highest rating, and good is the highest rating. These excellent ratings earned the Chrysler Sebring the honor of the IIHS’s 2010 Top Safety Pick award. Insurers will take note of this, and they will likely give you a lower rate on car insurance. Watch the video below to see the Chrysler Sebring’s crash test in action.
Having a car that performs well in a crash is important, as cars have more deaths than SUVs or pickups. According to the IIHS, in 2018, there were 48 driver deaths per million vehicles for cars, compared to only 23 for SUVs and 34 for pickups.
The 2018 records for all occupants of a vehicle showed 69 car deaths per million vehicles, which is much higher than the 32 SUV deaths and 42 pickup deaths. The list below shows how many fatalities occurred for various car crashes in 2018.
- Frontal Impact: 7,433 deaths
- Side Impact: 3,568 deaths
- Rear Impact: 834 deaths
- Other (mostly rollovers): 1,303 deaths
The total number of deaths in 2018 amounted to 13,128. This is high compared to total SUV deaths (5,035) and total pickup deaths (4,369). As we stated earlier, though, owning a safe car matters more to insurers than total car fatalities.
What is the MSRP of the Chrysler Sebring?
MSRP stands for the Manufacturer Suggested Retail Price. This is the price manufacturers suggest their car is worth before they pass it on to a car salesman. While most sellers will sell a car for less than the MSRP, the MSRP still affects what you’ll end up paying. Higher MSRP prices mean a higher price on the market.
To determine the MSRP of the Chrysler Sebring, we visited Kelley Blue Book’s (KBB) to find car prices. We found that the fair market price range for the Chrysler Sebring is $3,866 to $5,167, but the typical listing price is $4,980. While KBB doesn’t have the MSRP posted, we can expect that the MSRP is a few thousand dollars more than the typical listing price.
It’s important for us to point out in this section that MSRP affects more than just what you’ll pay for a Chrysler Sebring. High MSRP’s also affect your collision and comprehensive car insurance rates. Since collision and comprehensive car coverages protect you if your car is damaged, a high MSRP means more expensive repair parts and higher rates.
While you may be tempted to skip on collision and comprehensive coverages, some lenders will force you to carry collision and comprehensive coverage on your leased vehicle. The lenders don’t want to suffer losses if you wreck. Even if you aren’t forced to carry collision and comprehensive coverages, you should always have these vital coverages.
- What is collision coverage and what does it cover? This coverage will pay for vehicle repairs if you collide with another vehicle or object (like a fence or mailbox).
- What is comprehensive coverage on a car insurance policy? This coverage will pay for vehicle repairs if weather conditions damage your vehicle, an animal runs into your vehicle, or criminals vandalize or steal your vehicle.
While the MSRP affects the rates of these two coverages, insurers will also look at the losses (how many claims are paid for a Chrysler Sebring). If collision and comprehensive losses are high, this means that this car often needs expensive repairs after accidents.
The IIHS’s losses by make and model don’t have losses for comprehensive coverage for the Chrysler Sebring, but the 2003-2005 model of the Chrysler Sebring had a loss of 110. This is high, but the IIHS rated this score as average. So while you probably won’t receive a discount, you won’t be penalized with high collision rates either.
How much will it cost to repair my Chrysler Sebring?
Similar to how the MSRP affects car insurance costs, the repair costs of a vehicle can raise your annual premium. Generally, cars that are vintage, have hard to find parts, or need expensive repair parts will cost more to repair. This means that insurers will have to pay more for your car’s repairs, so they will charge you more to offset these costs.
Because of this risk, insurers will always check the repair costs of your vehicle. To see what insurers may charge, we got a quote from InstantEstimator.com to find out the average cost of repairs for a 2010 Chrysler Sebring. The InstantEstimator.com price tool is great to use anytime you want to check prices before filing a claim with your insurer. All of the quotes below are estimates for level two damage to a Chrysler Sebring.
- Front bumper: $425
- Rear bumper: $459
- Hood: $411
- Roof: $459
- Front door: $403
- Back door: $391
- Fender: $363
- Quarter panel: $375
InstantEstimator.com calculates these costs based on body and paint labor, painting supplies, color ting, hazardous waste disposal, and a final color/sand/buff. The most expensive costs out of this list are body and paint labor. The final color, sand, and buff treatment is the cheapest expense, costing only $20 to $40.
Of course, the exact cost of repairs does depend on the repair shop you chose and the cost to ship parts. Most insurers won’t dig too deep into this research, though, and will depend on average costs like those from InstantEstimator.com to calculate rates. Lower repair cost averages mean that your insurer will charge you less for collision and comprehensive coverage.
Did we answer all your questions about the Chrysler Sebring? After reading our guide, you should be able to better understand how insurers calculate rates on a Chrysler Sebring, which can help you save on your car insurance rates. To start saving on car insurance for the Chrysler Sebring today, enter your ZIP code in our free rate tool.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$53|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$31|
Discounts are estimated and may not be available from every company or in every state.
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