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.

U.S. average auto insurance rates for a Chrysler 300 are $1,378 annually with full coverage. Comprehensive insurance costs around $270 each year, collision costs $494, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $2,992 or more. Teenage drivers pay the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Price estimates for individual coverage:

Includes $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and 300 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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 best discount rate is $793
• Drivers who choose higher $1,000 deductibles will pay about $174 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,378
• Using low deductibles for comprehensive and collision insurance costs an additional $336 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,992 or more
• The price with full coverage for a teen driver can be $5,240 a year

View Chart as Image

Insurance prices for a Chrysler 300 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,860 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy the Cheapest Chrysler 300 Insurance

Getting lower rates on Chrysler 300 insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the coverage data raised in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $500 each year
• Teens are charged the highest prices, costing up to $437 a month if they have full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,610 more every year for 300 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