Chrysler 300 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Chrysler 300 costs about the same as most other cars to insure.
• Full coverage for a 300 usually runs about $176 monthly, while liability only insurance prices average around $84 a month.
• The most affordable car insurance company for a 300 is AmericanAlliance.

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300 Overview

With 2021 models starting at $30,445, the Chrysler 300 is a great budget-friendly car for drivers of all types. With two different trim levels currently available, there's something there for every driver.

After analyzing thousands of auto insurance quotes through Compare.com, we've determined that, on average, Chrysler 300 insurance rates run about $188 monthly. But compared to other vehicles in the market, are 300 auto insurance premiums higher or lower than those of similar cars?

How Much is Car Insurance for a Chrysler 300?

If you look at the table above, you'll see that car insurance prices for a Chrysler 300 are around average compared to other vehicles on the road. 300 drivers generally pay about $84 per month for liability insurance, and around $176 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Comparing it to other Chrysler models, the 300 is slightly more expensive, with premiums more than 5% higher than the rest of the company's vehicle offerings. Compared to offerings from other brands, insurance for a 300 runs close to average, with full coverage insurance rates 1% cheaper than other cars and liability insurance prices coming in at 1% higher.

The same applies when comparing the Chrysler 300 to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Chrysler 300?

If you're browsing for an auto insurance policy for a Chrysler 300, you might be wondering which carrier offers the cheapest rates. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $36 per month from MetroMile. The runner up for cheapest rates is AnswerFinancial, with auto insurance policies starting as cheap as $38 monthly.

Shelter Mutual, Hugo, and Clearcover finish off the rest of the top 5. However, 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.

Insurance carriers take many variables into consideration when calculating monthly premiums. There's only one way to make sure you find the lowest possible rates, and that's by getting quotes from multiple car insurance companies.

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What Factors Affect Car Insurance Rates for a Chrysler 300?

As we mentioned above, there are a variety of things that insurance carriers look at to choose how much they charge -- and each company weighs certain attributes more than others, so there's not just one carrier that's the cheapest for every 300 driver.

The sections below show numerous factors car insurance companies use to determine rates:

Vehicle Age

The Chrysler 300 has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and 300s begin to depreciate, insurance costs will gradually decrease.

As you can see in the table above, the Chrysler 300 is inline with this trend, as the cheapest models to insure are those that are 8 to 10 and 15 or more years old, while the most expensive models are 300s that are 1 year old or less, on average.

Your Age

Age is another factor that makes a difference in how much you pay for car insurance. As you can see above, the youngest drivers have higher rates compared to older drivers. In this case, drivers under 18 pay $69 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for 300 drivers.

Your Gender

Women tend to pay less for insurance than men. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim. When it comes to 300 drivers specifically, women pay about $79 a month for auto insurance and men pay around $89.

Where You Live

It may seem like common sense that variables like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live is equally important? Since car insurance is regulated on the state level and not nationally, prices can change quite a bit from state to state.

For example, the average Chrysler 300 owner in New York pays about $209 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The table above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

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Chrysler 300 Car Insurance Discounts

Whatever how old you are, what vehicle you drive, or where you live, using as many discounts as possible when it comes to your auto insurance is always a smart move when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same insurance company

These are just a few of the discounts out there. Often, the best way to get great rates is to work on your overall insurance profile.

Although you don't have control over every variable auto insurance carriers examine to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly observed ads from car insurance companies posting hefty savings for responsible drivers. It shouldn't come as a surprise that if you get speeding tickets or get into a collision, insurance premiums will go higher. But you're probably wondering exactly how much these infractions will cost you.

As you can see, accidents will usually cost 300 drivers less than tickets, but both will result in higher than average rates. Chrysler 300 drivers with a single accident on their record pay an average of $104 per month (up $20 from the $84/mo. overall average), while drivers with one ticket will pay about $105 monthly. Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total distance you drive each year impacts your auto insurance rates. Those who are on the roads less are less likely to get tickets, so they'll typically get less expensive premiums. Based on the table above, you can see that Chrysler 300 owners who drive fewer than 2,500 miles each year pay an average of $81 a month for car insurance, while those who put 10,000 miles or more on their cars pay $83.

But if you're one of those drivers who don't put very many miles on your Chrysler 300 each year, it may be worth reviewing pay-per-mile or usage-based auto insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Chrysler 300s Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Chrysler 300 is on your shortlist, you might be wondering how it compares to other cars. Car 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 300 stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Chrysler 300 is a great value when it comes to price. While the average vehicle MSRP in the U.S. is $46,296, the 300 comes in at just $30,445.

Although the 300's price is on the low end of the spectrum, insurance prices run above average when compared to the rest of the vehicle market. Liability insurance for a Chrysler 300 is around $129 per month more than average, while full coverage is over $50 more per month.

When it comes to usage, Chrysler 300 drivers are pretty close to the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the 300's 12,051 a year.

Chrysler 300 Car Insurance Costs by Model Year

You've seen how different factors can affect how much you might pay for car insurance. But if you're considering buying a new 300, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your choices.

Choose Your Model

2021 Chrysler 300 Car Insurance 2020 Chrysler 300 Car Insurance 2019 Chrysler 300 Car Insurance 2018 Chrysler 300 Car Insurance 2017 Chrysler 300 Car Insurance 2016 Chrysler 300 Car Insurance 2015 Chrysler 300 Car Insurance 2014 Chrysler 300 Car Insurance 2013 Chrysler 300 Car Insurance 2012 Chrysler 300 Car Insurance 2011 Chrysler 300 Car Insurance 2010 Chrysler 300 Car Insurance 2009 Chrysler 300 Car Insurance

2021 Chrysler 300 Car Insurance

On average, drivers who own a 2021 Chrysler 300 can expect to pay $210 to $226 a month for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2021 Chrysler 300 insurance policy, Safeco offered the most affordable policy we found, with rates as low as $54 monthly.

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

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2020 Chrysler 300 Car Insurance

The average cost to insure a 2020 300 with liability only coverage is $78 per month, while full coverage runs about $175 monthly.

Clearcover offered the lowest policy we found, with rates as little as just $27 a month.

If you want to find the best prices for car insurance for a 2020 Chrysler 300, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2019 Chrysler 300 Car Insurance

It costs around $97 per month for liability or $226 for a full coverage policy for the 2019 Chrysler 300.

We found Safeco offered the most affordable policy, with rates as little as $21 monthly.

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

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2018 Chrysler 300 Car Insurance

2018 300 drivers can expect to pay an average of $109 per month for liability or $215 for full coverage.

Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as cheap as $23 a month.

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

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2017 Chrysler 300 Car Insurance

You can expect full coverage for a 2017 Chrysler 300 to run about $207 monthly, while liability only coverage will average around $88 a month.

MetroMile has premiums as low as just $22 per month for the 2017 Chrysler 300.

Interested in just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a range of personalized quotes from the nation's top insurance carriers.

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2016 Chrysler 300 Car Insurance

2016 300 drivers can expect to pay an average of $92 monthly for liability or $194 for full coverage.

With rates sometimes as little as $25 a month, MetroMile offered the most affordable policy we found.

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

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2015 Chrysler 300 Car Insurance

On average, drivers who own a 2015 Chrysler 300 can expect to pay $83 to $179 per month for liability only and full coverage insurance, respectively.

With prices as cheap as just $24 monthly, Commonwealth Casualty offered the lowest policy we found for the 2015 Chrysler 300.

Want to know exactly what your car insurance premium will be? Just enter your ZIP code below to get multiple personalized quotes for free.

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2014 Chrysler 300 Car Insurance

It costs about $96 per month for liability or $188 for a full coverage policy for the 2014 300.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as low as $22 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2014 Chrysler 300, you can get free quotes in minutes by just entering your ZIP code below.

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2013 Chrysler 300 Car Insurance

The average cost to insure a 2013 Chrysler 300 with liability only coverage is $92 per month, while full coverage runs around $172 monthly.

Clearcover offered the most affordable policy we found, with rates as cheap as just $17 a month.

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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2012 Chrysler 300 Car Insurance

You can expect full coverage for a 2012 300 to run about $186 monthly, while liability only coverage will average around $91 per month.

With rates as little as just $23 a month, AnswerFinancial offered the lowest policy we found for the 2012 Chrysler 300.

If you want to know exactly how much you can expect to pay for your 300, just enter your ZIP code below and get several free quotes in minutes.

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2011 Chrysler 300 Car Insurance

The average cost to insure a 2011 Chrysler 300 with liability only coverage is $77 monthly, while full coverage runs about $163 a month.

With premiums sometimes as low as $18 per month, Safeco offered the cheapest policy we found.

Want something more accurate than nationwide averages? Enter your ZIP code below to get a variety of free customized quotes.

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2010 Chrysler 300 Car Insurance

You can expect full coverage for a 2010 300 to run around $163 monthly, while liability only coverage will average about $88 a month.

If you're looking for the cheapest possible 2010 Chrysler 300 insurance policy, Mapfre offered the lowest policy we found, with rates sometimes as little as $0 per month.

While these are good estimates of what the average driver might pay to insure a 2010 Chrysler 300, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2009 Chrysler 300 Car Insurance

On average, drivers who own a 2009 Chrysler 300 can expect to pay $78 to $170 a month for liability only and full coverage insurance, respectively.

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

These average rates are a great starting point if you're in the market for a 2009 Chrysler 300, but there are a variety of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Chrysler 300 Insurance FAQs

Is a Chrysler 300 expensive to insure?

The cost of auto insurance for the Chrysler 300 is about the same as insuring the average car. Liability insurance runs an average of $84 per month, while full coverage will cost you around $176.

How can I get the best price on car insurance for my Chrysler 300?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from an array of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chrysler 300 affect my insurance rates?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are lots of factors car insurance companies look at when they offer you a premium, but the color of your 300 is not factored into that equation.

Do I need to have insurance before I buy a Chrysler 300?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an insurance policy in place. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to talk with your insurance company before you buy.

What car insurance discounts can I get for my Chrysler 300?

There are a whole range of discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Chrysler 300 you drive, but if your 300 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. To learn more about which discounts you might qualify for, reach out to your insurance carrier and ask about their list of discounts, since they differ quite a bit from carrier to carrier.