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.

Average insurance rates for a Chrysler 300 are $1,378 a year including full coverage. Comprehensive insurance costs an estimated $270 each year, collision costs $494, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,992 or more. Teens receive the highest rates at $5,240 a year or more.

Average premium for full coverage: $1,378

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and 300 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects insurance prices.

These examples highlight why all drivers should compare rates for a targeted area and risk profile, rather than using averaged prices.

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

More Rate Details

The chart below breaks down estimated Chrysler 300 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $793
• Drivers who choose higher $1,000 deductibles will pay approximately $174 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,378
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $336 each year
• High-risk insureds with serious driving violations could pay up to $2,992 or more
• The cost for full coverage for a teenage driver can cost as much as $5,240 a year

View Chart as Image

Car insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the model of your 300, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Where you live makes a big difference in Chrysler 300 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,970 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 129% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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

Saving money on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a recap of the data touched on in the above illustrations.

• Consumers who want higher liability limits will pay approximately $500 per year to go from a minimum limit to 250/500 limits
• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing deductibles can save around $500 each year
• Teenagers have the highest car insurance rates, as much as $437 per month if full coverage is included

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