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.

Estimated insurance prices for a Chrysler 300 are $1,416 every 12 months including full coverage. Comprehensive costs an estimated $282, collision insurance costs $524, and liability coverage is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $3,074. Teens pay the most at up to $5,354 a year.

Average premium for full coverage: $1,416

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.

These rate differences highlight why everyone should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Chrysler 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $812
• Raising to $1,000 deductibles will save approximately $184 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,416
• Selecting pricier low deductibles increases the price to $1,772
• Unlucky drivers with serious driving violations could pay up to $3,074
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,354

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Insurance prices for a Chrysler 300 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,700 to $2,300 additional annually, depending on your age. Chrysler 300 insurance for high-risk drivers is expensive and can cost around 43% to 134% 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 $1,090 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,020 on average in Louisiana, New York, and Michigan.

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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 Cheaper Chrysler 300 Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Spend time shopping around at least every other year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a condensed summary of the car insurance concepts touched on above.

• Drivers with multiple at-fault accidents may have to pay on average $1,660 more annually for auto insurance
• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $550 each year
• Consumers who want higher levels of liability will pay approximately $500 per year to raise from 30/60 bodily injury limits to a 250/500 level

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