Chrysler 300 Auto Insurance (2024)
Chrysler 300 insurance rates cost $126 per month ($1,514 per year) on average. Shop around to find cheap Chrysler 300 insurance rates. On average, Chrysler 300 comprehensive insurance coverage costs $369, collision coverage costs $538, and liability coverage costs $427.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key takeaways:
- Full coverage costs around $1,514 a year or $126 each month
- A liability-only policy costs around $607 a year or $51 each month
- Highest rates are for teenage drivers at around $5,534 a year or $461 each month
- Good drivers can save as much as $624 a year by earning policy discounts
- Chrysler 300 insurance costs around $5 less per year than the average vehicle
Chrysler 300 insurance rates are $126 per month for full coverage and $51 per month for liability-only coverage. Continue reading to learn how you can save $624 per year on Chrysler 300 insurance rates.
You can start comparing quotes for Chrysler 300 insurance rates from some of the best auto insurance companies by using our free online tool now.
Chrysler 300 Insurance Cost
The average Chrysler 300 auto insurance costs are $1,514 a year or $126 a month.
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Are Chrysler 300s Expensive to Insure?
The chart below details how Chrysler 300 insurance rates compare to other sedans like the Chevrolet Blazer, Subaru Legacy, and Nissan Versa.
Read more: Nissan Auto Insurance
| Vehicle | Comprehensive | Collision | Liability | Total |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Chevrolet Sonic | $270 | $536 | $398 | $1,362 |
| Audi S4 | $370 | $744 | $338 | $1,588 |
However, there are a few things you can do to find the cheapest Chrysler insurance rates online.
What Impacts the Cost of Chrysler 300 Insurance?
The Chrysler 300 trim and model you choose can impact the total price you will pay for Chrysler 300 insurance coverage.
Age of the Vehicle
The average Chrysler 300 insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Chrysler 300 are $1,514, while 2010 Chrysler 300 rates are $1,238, a difference of $276.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Chrysler 300 | $332 | $626 | $398 | $1,514 |
| 2017 Chrysler 300 | $320 | $610 | $416 | $1,504 |
| 2016 Chrysler 300 | $310 | $586 | $430 | $1,484 |
| 2015 Chrysler 300 | $292 | $564 | $442 | $1,456 |
| 2014 Chrysler 300 | $282 | $524 | $452 | $1,416 |
| 2013 Chrysler 300 | $270 | $494 | $456 | $1,378 |
| 2012 Chrysler 300 | $258 | $442 | $460 | $1,318 |
| 2011 Chrysler 300 | $242 | $408 | $460 | $1,268 |
| 2010 Chrysler 300 | $234 | $382 | $464 | $1,238 |
Driver Age
Driver age can have a significant effect on the cost of Chrysler 300 auto insurance. For example, 30-year-old drivers pay approximately $67 more for their Chrysler 300 auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Chrysler 300 insurance rates. For example, drivers in New York may pay $923 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Chrysler 300 auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Chrysler 300 auto insurance with violations on their driving record.
Chrysler 300 Safety Ratings
The Chrysler 300’s safety ratings will affect your Chrysler 300 insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Marginal |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Chrysler 300 Crash Test Ratings
The crash test ratings of the Chrysler 300 can impact your Chrysler 300 insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Chrysler 300 4 DR RWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Chrysler 300 4 DR AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Chrysler 300 4 DR RWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Chrysler 300 4 DR AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Chrysler 300 4 DR RWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Chrysler 300 4 DR AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Chrysler 300 4 DR RWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Chrysler 300 4 DR AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Chrysler 300 4 DR RWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Chrysler 300 4 DR AWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Chrysler 300 Safety Features
Good Chrysler 300 safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Chrysler 300 are:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Chrysler 300 Insurance Loss Probability
The Chrysler 300’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Chrysler 300, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 15% |
|---|---|
| Property Damage | 3% |
| Comprehensive | 78% |
| Personal Injury | 34% |
| Medical Payment | 36% |
| Bodily Injury | 14% |
| Source: Insurance Institute for Highway Safety | |
Chrysler 300 Finance and Insurance Cost
If you are financing a Chrysler 300, you will pay more if you purchase Chrysler 300 auto insurance at the dealership, so be sure to shop around and compare Chrysler 300 auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Chrysler 300 Insurance
There are several ways you can save even more on your Chrysler 300 insurance rates. Take a look at the following five tips:
- Don’t Skimp On Chrysler 300 Liability Coverage
- Move to an Area with Better Weather
- Remove Unnecessary Insurance Once Your Chrysler 300 is Paid Off
- Pay Your Bills On Time — Especially Chrysler 300 Payments and Insurance
- Get Married and Ask for a Discount
Top Chrysler 300 Insurance Companies
Who is the best auto insurance company for Chrysler 300 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chrysler 300 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chrysler 300 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Chrysler 300 Insurance Quotes Online
You can start comparing quotes for Chrysler 300 insurance rates from some of the best auto insurance companies by using our free online tool now.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
How does auto insurance for a Chrysler 300 work?
Auto insurance for a Chrysler 300 works like insurance for any other vehicle. It typically includes coverage for liability, collision, comprehensive, and optional add-ons. The insurance premiums for a Chrysler 300 may vary based on factors such as the vehicle’s year, model, trim level, driver’s age, location, driving history, and the insurance provider’s policies.
What types of coverage are available for a Chrysler 300?
The available types of coverage for a Chrysler 300 are similar to those for other vehicles. Common coverage options include:
- Liability coverage: This covers damages caused by your vehicle to other people or their property.
- Collision coverage: This pays for repairs or replacement if your Chrysler 300 is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This covers non-collision-related damages, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance.
Are Chrysler 300 insurance rates generally higher or lower than average?
Insurance rates for a Chrysler 300 can vary depending on several factors. In general, Chrysler 300 insurance rates may be influenced by factors such as the vehicle’s value, safety features, repair costs, and theft rates. Additionally, individual circumstances such as driving history, location, and insurance provider policies can impact insurance rates. To get an accurate estimate, it’s recommended to obtain quotes from different insurers based on your specific situation.
Can I get discounts on Chrysler 300 insurance?
Yes, many insurance companies offer various discounts that may apply to Chrysler 300 owners. Some common discounts include:
- Multi-policy discount: If you have multiple insurance policies with the same provider (e.g., auto and home insurance), you may qualify for a discount.
- Safe driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Anti-theft device discount: If your Chrysler 300 has anti-theft devices installed, such as an alarm system or GPS tracking, you may qualify for a discount.
- Good student discount: If you or a covered driver on your policy is a student with good grades, you may be eligible for a discount.
Do I need special insurance for modifications or accessories added to my Chrysler 300?
If you have made modifications or added accessories to your Chrysler 300, it’s important to inform your insurance provider. In some cases, you may need to purchase additional coverage to protect the value of the modifications or accessories. Examples of modifications and accessories include aftermarket wheels, performance enhancements, or specialized audio systems. Not disclosing modifications or accessories may result in coverage gaps or denied claims, so it’s crucial to communicate with your insurance company.
Can I save on insurance costs by raising my deductible?
Yes, opting for a higher deductible can often lower your insurance premiums. The deductible is the amount you pay out of pocket before your insurance coverage kicks in. However, it’s important to consider your financial situation and ability to pay the deductible in the event of a claim. Be sure to weigh the potential savings against your comfort level with a higher out-of-pocket expense.
Are there any specific insurance considerations for different Chrysler 300 models or trims?
Insurance considerations can vary based on the specific model or trim level of your Chrysler 300. Factors such as engine size, horsepower, safety features, and repair costs can influence insurance rates. Higher-performance models or trims may have higher premiums due to increased repair costs or a higher likelihood of accidents. It’s recommended to discuss your specific model and trim with your insurance provider to understand any potential impact on your coverage and premiums.
What should I do if my Chrysler 300 is involved in an accident or gets damaged?
If your Chrysler 300 is involved in an accident or sustains damage, follow these steps:
- Ensure safety: Check yourself and others for injuries and move to a safe location, if possible.
- Document the incident: Take photos of the accident scene and any damages to your vehicle.
- Exchange information: Exchange contact and insurance details with the other party involved.
- Notify your insurance provider: Contact your insurance company as soon as possible to report the incident and initiate the claims process.
- Follow instructions: Cooperate with your insurance company’s instructions regarding filing a claim, obtaining estimates, or arranging repairs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.