Chrysler 200 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Chrysler 200 than the average car.
• Full coverage for a 200 usually runs about $189 a month, while liability only insurance premiums come in at around $99.
• JustInsure is the cheapest auto insurance carrier for a 200 with a national average of just $28 monthly for liability only coverage.

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200 Overview

With 2017 models starting at $22,115, the Chrysler 200 is a great budget-friendly car for drivers of all types. You'll have your choice of four different trim levels, so there's an option for every driver.

Based on analyzing thousands of car insurance quotes from Compare.com, we've found that Chrysler 200 auto insurance rates are about $176 per month, on average. But how does that stack up to other similar cars out there on the market?

How Much is Car Insurance for a Chrysler 200?

You'll see in the table above that Chrysler 200 insurance prices are more expensive than average. On average, 200 drivers will pay around $189 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $99 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other models, the 200 is more expensive, with premiums more than 10% higher than other vehicles in Chrysler's lineup. Compared to offerings from other brands, car insurance for a 200 is similarly on the expensive side, with liability only insurance rates coming in about 19% more and 7% more for full coverage.

Generally, they're just more expensive to insure than the average vehicle, regardless of which model, body style, or make you compare it to.

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Who has the Cheapest Car Insurance for a Chrysler 200?

Looking for an auto insurance policy for your Chrysler 200? You might be most interested in which company offers the lowest premiums. While prices can fluctuate pretty dramatically from driver to driver, the lowest average rates for liability only insurance are as little as just $25 per month from Ohio Mutual and Horace Mann.

Completing the top 5 companies are JustInsure, ACG, and MetroMile. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers use a multitude of different factors and complex formulas to calculate premiums. By pulling quotes from a range of insurance companies at once, you can be confident you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Chrysler 200?

There are several things that car insurance carriers reference to determine how much to charge you -- and every carrier weighs different attributes more heavily than others, so there's not a single company that's the cheapest for each driver.

The sections below show a wide array of variables auto insurance companies use to choose rates:

Vehicle Age

The Chrysler 200 has been around for a while -- that means vehicle age can make a difference in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

As you can see in the information above, the Chrysler 200 is not quite in line with this trend, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest 200s are 1 year old or less.

Your Age

Your age is another variable that makes a big difference in how much you pay for car insurance. In the table above, you'll see that teenage 200 drivers have cheaper premiums than those with more experience.

Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the 200.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable rates. When it comes to 200 drivers specifically, men pay around 24% more than women a month for auto insurance.

Where You Live

You might already know that things like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live can be just as important. Because car insurance is regulated at the state level, rates vary quite a bit from state to state.

For example, the average Chrysler 200 owner from New York pays about $218 monthly for liability coverage, while the same driver from California will pay only 25% of that price, on average. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change from state to state.

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Chrysler 200 Car Insurance Discounts

Whatever your age, your car, or your home state, using as many discounts as possible when it comes to your auto insurance is always the smart move when shopping around for a policy.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than by monthly payments
• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Defensive driving discounts for taking a defensive driving class from a certified school or institution

These discounts are great, but sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the factors you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly heard ads from auto insurance companies offering big discounts for responsible drivers. It should be no surprise that if you get tickets or get into an accident, insurance rates will go higher. But exactly how much can these infractions cost you?

If you look at the table above, you'll see that accidents will usually cost 200 drivers more than tickets, but both will cause a significant increase in rates. Chrysler 200 drivers with one ticket will pay about $113 a month, while drivers with a single accident on their record pay an average of $134 each month (up $35 from the $99/mo. overall average). The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

The total amount of miles you drive annually impacts your auto insurance prices. Drivers who are on the roads less are more likely to go accident-free, so they'll typically end up paying less for car insurance. Above, you can see that Chrysler 200 owners who drive between 2,500 and 5,000 miles pay $109 for insurance, while those who drive between 5,000 and 7,500 miles every year pay about $82 per month.

But if you're one of those drivers who don't put very many miles on your Chrysler 200 each year, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Chrysler 200s Compare to Other Vehicles?

If you're considering making a Chrysler 200 your next car, it might be helpful to do your homework. Insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Check out the table below to see how the Chrysler 200 compares:

Overall, the Chrysler 200 is a great value for any budget, with an MSRP that's a third less than the going rate for a new vehicle. The 200 comes in at $22,115, which is quite a bit lower than the national average vehicle price of $41,879.

Although the purchase price is on the cheaper end of the spectrum, insurance premiums are higher when compared to the rest of the vehicle market. Full coverage insurance for a Chrysler 200 is around $32 per month more than average, while liability only coverage is more than $40 more monthly.

When it comes to usage, Chrysler 200 drivers are far from the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the 200's 15,963 per year.

Chrysler 200 Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays to insure a Chrysler 200. If you're thinking about buying a new vehicle and the 200 is one you're considering, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your options.

Choose Your Model

2017 Chrysler 200 Car Insurance 2016 Chrysler 200 Car Insurance 2015 Chrysler 200 Car Insurance 2014 Chrysler 200 Car Insurance 2013 Chrysler 200 Car Insurance 2012 Chrysler 200 Car Insurance 2011 Chrysler 200 Car Insurance

2017 Chrysler 200 Car Insurance

On average, drivers who own a 2017 200 can expect to pay $129 to $201 a month for liability only and full coverage auto insurance, respectively.

We found StateAuto offered the lowest policy, with rates as little as $18 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 Chrysler 200 Car Insurance

You can expect full coverage for a 2016 Chrysler 200 to run about $205 per month, while liability only coverage will average around $105 a month.

Looking for the most affordable policy? MetLife offered liability only coverage for sometimes as little as $18 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2015 Chrysler 200 Car Insurance

The average cost to insure a 2015 200 with liability only coverage is $108 per month, while full coverage runs about $196 monthly.

With prices sometimes as cheap as $18 a month, Mercury offered the cheapest policy we found.

Want to find the best rates? Enter your ZIP code below to get a variety of personalized quotes for free.

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2014 Chrysler 200 Car Insurance

It costs around $92 per month for liability or $181 for a full coverage policy for the 2014 Chrysler 200.

ACG has premiums as cheap as just $16 a month for the 2014 Chrysler 200.

If you want to find the best prices for insurance for a 2014 Chrysler 200, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2013 Chrysler 200 Car Insurance

2013 200 drivers can expect to pay an average of $88 monthly for liability or $180 for full coverage.

If you're looking for the lowest possible 2013 Chrysler 200 insurance policy, StateAuto offered the lowest policy we found, with rates as low as just $19 per month.

Want to find the most affordable rates? Get several free customized quotes by just entering your ZIP code below.

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2012 Chrysler 200 Car Insurance

It costs about $98 monthly for liability or $175 for a full coverage policy for the 2012 Chrysler 200.

With rates as cheap as $18 a month, MetroMile offered the cheapest policy we found for the 2012 Chrysler 200.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2011 Chrysler 200 Car Insurance

2011 200 drivers can expect to pay an average of $79 per month for liability or $163 for full coverage.

MetLife offered the lowest policy we found, with rates sometimes as low as $17 a month.

Interested in just how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

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Chrysler 200 Insurance FAQs

Is a Chrysler 200 expensive to insure?

Liability insurance runs an average of $99 per month, while full coverage will cost you around $189. Compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Chrysler 200?

There's only one way to make sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from quite a few carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from an array of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Chrysler 200 affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually a myth. Although there are lots of things car insurance carriers look at when they decide how much your policy will be, your vehicle's color is not one of them.

Do I need to have insurance before I buy a Chrysler 200?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new car is to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Chrysler 200?

There are tons of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your 200 and more on you, but if your 200 has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about their list of discounts.