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 $1,378 every 12 months for full coverage insurance. Comprehensive insurance costs on average $270 each year, collision insurance costs $494, and liability costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $2,992 or more. Teenage drivers pay the most at up to $5,240 a year.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and 300 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Chrysler 300 insurance rates for different risk profiles and scenarios.

• The best discount rate is $793
• Drivers who choose higher $1,000 deductibles will pay around $174 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,378
• Using low deductibles for comprehensive and collision insurance costs an extra $336 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,992
• An auto insurance policy to insure a 16-year-old driver may cost $5,240 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $510 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $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 low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Chrysler 300 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

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 Affordable Chrysler 300 Insurance

Finding better rates on insurance for a Chrysler 300 not only requires having a good driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

The next list is a brief review of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,610 more each year to buy Chrysler 300 insurance
• Drivers age 20 and younger are expensive to insure, with premiums being up to $437 per month if the policy includes full coverage
• It is possible to save as much as $170 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $500 each year
• It is possible to save as much as $170 per year just by quoting online in advance

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