Chrysler 300 Insurance Rates
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UPDATED: May 30, 2024
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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 rates for a Chrysler 300 are $1,378 a year for full coverage. Comprehensive insurance costs around $270, collision insurance costs $494, and liability coverage costs around $456. A policy with only liability insurance costs as low as $508 a year, and a high-risk policy costs $2,992 or more. Teen drivers pay the most at up to $5,240 a year.
Average premium for full coverage: $1,378
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different 300 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chrysler 300 range from the low end price of $508 for just liability insurance to a much higher rate of $2,992 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, rather than using 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.
More Rate Details
The chart below shows average Chrysler 300 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $793
- Using higher $1,000 deductibles will save about $174 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,378
- Choosing more expensive low deductibles for physical damage coverage will cost an additional $336 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,992
- An auto insurance policy that insures a teenage driver with full coverage can be $5,240 or more
Car insurance prices for a Chrysler 300 also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can be around 44% to 129% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age
Where you choose to live has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,246 | -$132 | -9.6% |
| Alaska | $1,056 | -$322 | -23.4% |
| Arizona | $1,144 | -$234 | -17.0% |
| Arkansas | $1,378 | -$0 | 0.0% |
| California | $1,570 | $192 | 13.9% |
| Colorado | $1,318 | -$60 | -4.4% |
| Connecticut | $1,418 | $40 | 2.9% |
| Delaware | $1,560 | $182 | 13.2% |
| Florida | $1,724 | $346 | 25.1% |
| Georgia | $1,272 | -$106 | -7.7% |
| Hawaii | $990 | -$388 | -28.2% |
| Idaho | $930 | -$448 | -32.5% |
| Illinois | $1,028 | -$350 | -25.4% |
| Indiana | $1,038 | -$340 | -24.7% |
| Iowa | $930 | -$448 | -32.5% |
| Kansas | $1,308 | -$70 | -5.1% |
| Kentucky | $1,880 | $502 | 36.4% |
| Louisiana | $2,038 | $660 | 47.9% |
| Maine | $850 | -$528 | -38.3% |
| Maryland | $1,136 | -$242 | -17.6% |
| Massachusetts | $1,102 | -$276 | -20.0% |
| Michigan | $2,394 | $1,016 | 73.7% |
| Minnesota | $1,154 | -$224 | -16.3% |
| Mississippi | $1,652 | $274 | 19.9% |
| Missouri | $1,222 | -$156 | -11.3% |
| Montana | $1,480 | $102 | 7.4% |
| Nebraska | $1,084 | -$294 | -21.3% |
| Nevada | $1,652 | $274 | 19.9% |
| New Hampshire | $992 | -$386 | -28.0% |
| New Jersey | $1,540 | $162 | 11.8% |
| New Mexico | $1,222 | -$156 | -11.3% |
| New York | $1,452 | $74 | 5.4% |
| North Carolina | $794 | -$584 | -42.4% |
| North Dakota | $1,126 | -$252 | -18.3% |
| Ohio | $950 | -$428 | -31.1% |
| Oklahoma | $1,414 | $36 | 2.6% |
| Oregon | $1,262 | -$116 | -8.4% |
| Pennsylvania | $1,314 | -$64 | -4.6% |
| Rhode Island | $1,838 | $460 | 33.4% |
| South Carolina | $1,246 | -$132 | -9.6% |
| South Dakota | $1,162 | -$216 | -15.7% |
| Tennessee | $1,206 | -$172 | -12.5% |
| Texas | $1,660 | $282 | 20.5% |
| Utah | $1,022 | -$356 | -25.8% |
| Vermont | $944 | -$434 | -31.5% |
| Virginia | $826 | -$552 | -40.1% |
| Washington | $1,064 | -$314 | -22.8% |
| West Virginia | $1,262 | -$116 | -8.4% |
| Wisconsin | $954 | -$424 | -30.8% |
| Wyoming | $1,228 | -$150 | -10.9% |
Choosing high deductibles could cut prices by as much as $510 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chrysler 300 Touring 4-Dr Sedan | $1,278 | $107 |
| Chrysler 300 Touring Plus 4-Dr Sedan | $1,310 | $109 |
| Chrysler 300 S V6 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring Executive 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring Signature 4-Dr Sedan | $1,344 | $112 |
| Chrysler 300 Touring AWD 4-Dr | $1,344 | $112 |
| Chrysler 300 Limited 4-Dr Sedan | $1,378 | $115 |
| Chrysler 300 Touring Signature AWD 4-Dr | $1,378 | $115 |
| Chrysler 300 C 4-Dr Sedan | $1,410 | $118 |
| Chrysler 300 Limited AWD 4-Dr | $1,410 | $118 |
| Chrysler 300 S V8 4-Dr Sedan | $1,410 | $118 |
| Chrysler 300 C AWD 4-Dr | $1,444 | $120 |
| Chrysler 300 SRT-8 4-Dr Sedan | $1,444 | $120 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Chrysler 300 | $332 | $626 | $398 | $1,514 |
| 2022 Chrysler 300 | $320 | $610 | $416 | $1,504 |
| 2021 Chrysler 300 | $310 | $586 | $430 | $1,484 |
| 2020 Chrysler 300 | $292 | $564 | $442 | $1,456 |
| 2019 Chrysler 300 | $282 | $524 | $452 | $1,416 |
| 2018 Chrysler 300 | $270 | $494 | $456 | $1,378 |
| 2017 Chrysler 300 | $258 | $442 | $460 | $1,318 |
| 2016 Chrysler 300 | $242 | $408 | $460 | $1,268 |
| 2014 Chrysler 300 | $228 | $356 | $474 | $1,216 |
| 2012 Chrysler 300 | $206 | $300 | $478 | $1,142 |
| 2007 Chrysler 300 | $168 | $208 | $452 | $986 |
| 2006 Chrysler 300 | $154 | $198 | $446 | $956 |
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 Find Low Cost Chrysler 300 Insurance
Finding better rates on auto insurance requires having a decent driving record, having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around every year by requesting quotes from direct carriers, and also from several local insurance agents.
The following items are a review of the coverage data covered in the charts and tables above.
- Drivers can save up to $170 per year just by shopping early and online
- Increasing policy deductibles can save approximately $500 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $437 per month if full coverage is purchased
- Drivers who have several accidents or serious violations pay on average $1,610 more every 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.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,240 |
| 20 | $3,188 |
| 30 | $1,428 |
| 40 | $1,378 |
| 50 | $1,260 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,714 |
| $250 | $1,558 |
| $500 | $1,378 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,378 |
| 50/100 | $1,535 |
| 100/300 | $1,649 |
| 250/500 | $1,946 |
| 100 CSL | $1,581 |
| 300 CSL | $1,832 |
| 500 CSL | $2,014 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,466 |
| 20 | $5,080 |
| 30 | $3,046 |
| 40 | $2,992 |
| 50 | $2,856 |
| 60 | $2,832 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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