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 rates for a Chrysler 300 are $1,378 a year for full coverage. Comprehensive costs approximately $270 a year, collision insurance costs $494, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,992. 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:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and 300 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below shows average Chrysler 300 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $793
• Using higher $1,000 deductibles will save $1,204 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,378
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,714
• Higher-risk drivers who are prone to accidents and violations could pay around $2,992
• An auto insurance policy for full coverage for a teenage driver can cost $5,240 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

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 Find the Cheapest Chrysler 300 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the coverage data touched on above.

• Drivers can save around $170 per year just by quoting early and online
• Increasing policy deductibles can save around $500 each year
• Teenage drivers are expensive to insure, as much as $437 per month for full coverage
• Drivers that have major violations or accidents may pay on average $1,610 more per year for auto insurance

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