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.

The average insurance prices for a Chrysler 300 are $1,378 every 12 months with full coverage. Comprehensive insurance costs around $270, collision costs $494, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $2,992 or more. Teen drivers cost the most to insure at $5,240 a year or more.

Average premium for full coverage: $1,378

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different 300 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Additional Rate Analysis

The chart below details estimated 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 annually
• The average price for a good driver age 40 using $500 deductibles is $1,378
• Choosing more expensive low deductibles for physical damage coverage costs an extra $336 every year
• Drivers with multiple violations and an at-fault accident could pay at least $2,992 or more
• Policy cost to insure a teen driver with full coverage can be $5,240 or more

View Chart as Image

Insurance rates for a Chrysler 300 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 129% more than average. View High Risk Driver Rates

Your home state has a huge impact on Chrysler 300 insurance prices. A driver around age 40 might see rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,860 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.

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 Low Cost Chrysler 300 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at least every other year by requesting rates from direct companies, and also from several local insurance agents.

The following items are a review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers who have several accidents or serious violations pay on average $1,610 more every year than a driver with a clean driving record
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Policyholders who may need additional liability coverage will pay about $500 every year to increase from a 30/60 limit 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