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

Quick Facts

• A Chrysler Sebring costs less than most other cars to insure.
• Liability only auto insurance rates for a Sebring tend to be around $82 per month, while full coverage generally averages about $152.
• Ohio Mutual provides the cheapest average premiums for a Sebring with liability only coverage offered for as cheap as $36 a month.

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Sebring Overview

The Chrysler Sebring is a great car for all budgets, with a base price of just $20,120 for 2010 models. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when you consider your future car insurance prices.

We ran through thousands of insurance quotes on Compare.com, and we've determined that average Chrysler Sebring auto insurance premiums run around $119 per month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Chrysler Sebring?

In the table above, you'll see that Chrysler Sebring insurance prices are more affordable than average. Sebring owners normally pay about $152 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $82 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Sebring is slightly more affordable, with premiums more than 5% lower than the other vehicle types offered by Chrysler. Likewise, coverage for the Sebring is cheaper than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive rates than other cars.

When compared to all vehicles, regardless of make, model, or body style, the Sebring follows a similar pattern of having below average insurance prices.

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Who has the Cheapest Car Insurance for a Chrysler Sebring?

In the market for a car insurance policy for your Chrysler Sebring? You're probably most interested in which carrier offers the lowest premiums. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $28 per month from ACG. With car insurance as low as $31 monthly, CaliforniaCasualty is the next most affordable auto insurance company.

Finishing off the rest of the top 5 are Aspire, Ohio Mutual, and Foremost. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take lots of different things into consideration when calculating monthly rates. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from multiple car insurance carriers.

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What Factors Affect Car Insurance Rates for a Chrysler Sebring?

There are a bunch of variables that auto insurance companies consider to determine how much to charge -- and every carrier weighs certain factors more than others, so there's not a single company that's the most affordable for everyone.

Below are just a few of the factors insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Chrysler Sebring has been around for a while, so vehicle age will likely play a role in what you end up paying for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Sebrings continue to depreciate, insurance costs will gradually get lower.

A new Chrysler Sebring model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Chrysler Sebrings to insure are those that are 11 to 14 years old, while the cheapest models are Sebrings that are 4 to 5 years old, on average.

Your Age

Age plays a significant role in how much auto insurance companies will charge you for a policy. As you can see in the table above, drivers who have more experience on the road have cheaper rates than young drivers. Chrysler Sebring drivers under 18 actually pay $55 more than those 25 or older.

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

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. The Chrysler Sebring sticks to the norm, where women pay around 13% less than men a month for insurance.

Where You Live

You might think it's common sense that things like how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live has just as much of an impact? Car insurance is regulated on the state level and not nationally, so rates change quite a bit depending on where you live.

For example, the average Chrysler Sebring owner from New York pays about $162 per month for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Chrysler Sebring Car Insurance Discounts

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

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than by monthly payments

While discounts are always a good way to save money on your auto insurance, sometimes the best way to save is just by having a profile that looks good to insurance carriers.

Of course, you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

You've almost certainly seen ads from car insurance companies promoting large discounts for safe drivers. And you probably wouldn't be surprised that if you get into an accident or get tickets for speeding, auto insurance rates will go higher. But you still might be left wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost Sebring drivers more than tickets, but both will result in a raise in rates. Chrysler Sebring drivers with one ticket will pay about $90 a month, while drivers with a single accident on their record pay an average of $100 every month (up $18 from the $82/mo. overall average). The rates only go up the more collisions you have or tickets you get.

How Much You Drive

Another variable that impacts your insurance prices is the total distance you drive. Those who drive less often are less likely to get into collisions, so they'll usually get more affordable premiums. Based on the table above, you can see that Chrysler Sebring owners who drive fewer than 2,500 miles per year pay about $83 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $84.

If you don't drive much because have a second vehicle or you work from home, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these 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 Sebrings Compare to Other Vehicles?

If you're considering purchasing a Chrysler Sebring, it might be helpful to do your due diligence. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Chrysler Sebring compares:

As you can see, the Chrysler Sebring is right on par with the average vehicle price here in the U.S. The Sebring starts at $20,120, close to the national average vehicle MSRP of $29,720. A used Sebring will be even less expensive, since there hasn't been a new model added to the market in the last few years.

Although the Sebring has a pretty average price, insurance rates are slightly higher when compared to other vehicles on the market. Full coverage insurance for a Chrysler Sebring is around $6 a month cheaper than average, while liability only coverage is $5 higher per month.

When it comes to usage, Chrysler Sebring owners drive about the same amount annually as the national average, with 11,510 miles each year compared to 11,617 for all vehicles.

Chrysler Sebring Car Insurance Costs by Model Year

So far, you've seen how different factors affect a driver's car insurance premiums. But if you're considering purchasing a new Sebring, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

Choose Your Model

2010 Chrysler Sebring Car Insurance 2009 Chrysler Sebring Car Insurance 2008 Chrysler Sebring Car Insurance 2007 Chrysler Sebring Car Insurance 2006 Chrysler Sebring Car Insurance 2005 Chrysler Sebring Car Insurance 2004 Chrysler Sebring Car Insurance 2003 Chrysler Sebring Car Insurance 2002 Chrysler Sebring Car Insurance 2001 Chrysler Sebring Car Insurance 2000 Chrysler Sebring Car Insurance 1999 Chrysler Sebring Car Insurance 1998 Chrysler Sebring Car Insurance

2010 Chrysler Sebring Car Insurance

On average, drivers who own a 2010 Sebring can expect to pay $86 to $163 a month for liability only and full coverage car insurance, respectively.

Mapfre has rates sometimes as little as $16 monthly for the 2010 Chrysler Sebring.

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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2009 Chrysler Sebring Car Insurance

The average cost to insure a 2009 Chrysler Sebring with liability only coverage is $85 per month, while full coverage runs about $143 monthly.

We found Jupiter offered the cheapest policy, with rates as low as just $21 per month.

While these are good estimates of what the average driver might pay to insure a 2009 Chrysler Sebring, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2008 Chrysler Sebring Car Insurance

You can expect full coverage for a 2008 Sebring to run around $160 a month, while liability only coverage will average about $87 monthly.

Looking for the lowest policy? AssuranceAmerica offered liability only coverage for as little as $17 a month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple free customized quotes.

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2007 Chrysler Sebring Car Insurance

2007 Chrysler Sebring drivers can expect to pay an average of $99 per month for liability or $160 for full coverage.

Arrowhead offered the most affordable policy we found, with rates as little as just $21 a month.

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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2006 Chrysler Sebring Car Insurance

It costs around $80 monthly for liability or $156 for a full coverage policy for the 2006 Sebring.

With premiums sometimes as low as $17 per month, ACG offered the cheapest policy we found for the 2006 Chrysler Sebring.

Want to find the best rates? Enter your ZIP code below to get lots of customized quotes for free.

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2005 Chrysler Sebring Car Insurance

The average cost to insure a 2005 Chrysler Sebring with liability only coverage is $81 a month, while full coverage runs about $135 monthly.

If you're looking for the lowest possible 2005 Chrysler Sebring insurance policy, Mapfre offered the lowest policy we found, with rates as cheap as just $18 per month.

These average prices are a great starting point if you're in the market for a 2005 Chrysler Sebring, but there are a range of variables 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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2004 Chrysler Sebring Car Insurance

On average, drivers who own a 2004 Sebring can expect to pay $79 to $134 a month for liability only and full coverage insurance, respectively.

With premiums sometimes as cheap as $16 per month, Mapfre offered the most affordable policy we found.

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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2003 Chrysler Sebring Car Insurance

It costs around $78 monthly for liability or $124 for a full coverage policy for the 2003 Chrysler Sebring.

With rates as low as just $16 a month, Liberty Mutual offered the cheapest policy we found for the 2003 Chrysler Sebring.

While these are good estimates of what the average driver might pay to insure a 2003 Chrysler Sebring, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2002 Chrysler Sebring Car Insurance

2002 Sebring drivers can expect to pay an average of $74 monthly for liability or $133 for full coverage.

We found Safeco offered the most affordable policy, with rates as cheap as just $16 per month.

Interested in exactly how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

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2001 Chrysler Sebring Car Insurance

You can expect full coverage for a 2001 Chrysler Sebring to run about $157 monthly, while liability only coverage will average around $73 per month.

With prices sometimes as low as $21/mo a month, Good2Go offered the cheapest policy we found.

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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2000 Chrysler Sebring Car Insurance

2000 Sebring drivers can expect to pay an average of $67 per month for liability or $129 for full coverage.

Mercury offered the lowest policy we found, with rates as little as $16 monthly.

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

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1999 Chrysler Sebring Car Insurance

You can expect full coverage for a 1999 Chrysler Sebring to run about $131 a month, while liability only coverage will average around $67 monthly.

Elephant has rates as cheap as $19 a month for the 1999 Chrysler Sebring.

What could your auto insurance price look like? Get several free customized quotes by just entering your ZIP code below.

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1998 Chrysler Sebring Car Insurance

It costs about $71 per month for liability or $146 for a full coverage policy for the 1998 Sebring.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as little as just $17 a month.

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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Chrysler Sebring Insurance FAQs

Is a Chrysler Sebring expensive to insure?

Liability insurance runs an average of $82 monthly, while full coverage will cost you around $152. It costs less to insure a Chrysler Sebring when compared to the average vehicle.

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

There's only one way to confirm you're getting the lowest rates -- checking prices regularly and comparing quotes from numerous carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

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

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually a myth. There are a variety of things insurance carriers think about when they decide how much to charge for car insurance, but the color of your Chrysler Sebring is not used to make that determination.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an car is to talk with your car insurance company ahead of time.

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

You will find all sorts of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Sebring and more on you, but if your Sebring has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible 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.