Chrysler 300 Car Insurance Cost 2025

The average cost to insure a Chrysler 300 is $2,473 per year. However, the actual premium can vary depending on factors like your age, the car’s model year, and other personal considerations. You can use our quote tables below to get an estimate tailored to your specific situation.

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Updated: 14 January 2025
Written by Bob Phillips
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If you’re considering purchasing a Chrysler 300, one of the many factors you’ll need to consider is the cost of insurance. After all, insurance is a significant part of car ownership, and it’s crucial to know what you’re getting into before you make your purchase. On average, insurance for a Chrysler 300 cost $2,473 per year.

Not carefully selecting a good car insurance policy can lead to unexpected and potentially high costs down the road. The last thing you want to happen is to have insufficient coverage when an accident occurs, leaving you with hefty out-of-pocket expenses. And let’s not forget about potential increases in premiums if you’re found at fault.

With over a decade of experience analyzing car insurance rates, I’ve seen just how much these costs can vary. Factors such as your age, driving record, and even where you live can significantly influence your insurance premiums.

How Much Does A Chrysler 300 Car Insurance Cost?

Chrysler 300 drivers typically pay an average of $2,473 per year for car insurance.

It’s important to understand that the cost of car insurance can vary significantly due to various factors. These include your location, driving history, the model year of your vehicle, and the coverage options you choose. A clean driving record can help lower your premiums, while a history of accidents or traffic violations may lead to higher costs.

Additionally, living in an urban area with heavy traffic can result in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also affects your premium—comprehensive insurance, which includes both comprehensive and collision coverage, typically costs more than minimum liability coverage.

As shown in the table below, the insurance cost for a Chrysler 300 is higher than the average cost for all Chrysler models, and also exceeds the average cost for all cars.

Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal that fits your needs.

Vehicle Average Monthly Premium
Chrysler 300 $182
All Chryslers $170
All Cars $175

Average Insurance Cost Of Chrysler 300 By Model Year

Model Year Average Premium
2023 Chrysler 300 $1,564
2022 Chrysler 300 $947
2021 Chrysler 300 $890
2020 Chrysler 300 $796
2019 Chrysler 300 $950
2018 Chrysler 300 $741
2017 Chrysler 300 $999
2016 Chrysler 300 $839
2015 Chrysler 300 $717
2014 Chrysler 300 $632
2013 Chrysler 300 $580
2012 Chrysler 300 $761
2011 Chrysler 300 $744
2010 Chrysler 300 $411

2023 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2023 Chrysler 300 is $1,564. However, Victoria offers the cheapest rates, averaging $755 per year.

Insurance Provider Average Annual Cost
Safeco $1,442
SECURA Insurance $1,513
Victoria $755
PEMCO $1,950
Oregon Mutual $1,797
Capital Insurance Group $1,473
Direct Auto $1,407
Unitrin $1,674
Unigard $1,815
California Capital $1,809

2022 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2022 Chrysler 300 is $947. However, Safeco offers the cheapest rates, averaging $447 per year.

Insurance Provider Average Annual Cost
Virginia Farm Bureau $1,307
Direct Auto $1,092
NatGen Custom 360 $468
Safeco $447
Ohio Mutual Ins Group $1,377
Countryway Insurance $905
Concord Group $765
NatGen PPA $1,256
American National P $1,249
Mercury Insurance $605

2021 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2021 Chrysler 300 is $890. However, Safeco offers the cheapest rates, averaging $117 per year.

Insurance Provider Average Annual Cost
Victoria $967
Mercury Insurance $511
Unigard $1,068
Safeco $117
Tennessee Farmers $1,155
Ohio Mutual Ins Group $1,212
Oregon Mutual $999
Mutual Of Enumclaw $1,239
New Jersey Manufacturers $1,205
NatGen Value $428

2020 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2020 Chrysler 300 is $796. However, Safeco offers the cheapest rates, averaging $274 per year.

Insurance Provider Average Annual Cost
Norfolk and Dedham Group $982
Safety Group $749
Safeco $274
Buckeye Insurance Group $828
NatGen PPA $1,022
NatGen Custom 360 $332
Western Reserve $1,204
Mercury Insurance $427
American National P $1,150
Plymouth Rock Assurance $992

2019 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2019 Chrysler 300 is $950. However, NatGen Custom 360 offers the cheapest rates, averaging $212 per year.

Insurance Provider Average Annual Cost
Plymouth Rock Assurance $1,223
Safeco $233
EMC Insurance $1,199
Safety Group $1,338
Mercury Insurance $492
North Carolina Farm Bureau $1,244
NatGen Advantage $997
NatGen Custom 360 $212
Indiana Farmers Mutual Ins $1,319
American National P $1,239

2018 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2018 Chrysler 300 is $741. However, Kemper Auto Premier offers the cheapest rates, averaging $111 per year.

Insurance Provider Average Annual Cost
Mercury Insurance $1,198
Indiana Farmers Mutual Ins $1,333
Kemper Personal Insurance $296
Grinnell Mutual $1,342
Safeco $219
SECURA Insurance $1,219
Kemper Auto Premier $111
AssuranceAmerica Mobile Max $649
NatGen Custom 360 $191
American National P $852

2017 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2017 Chrysler 300 is $999. However, Safeco offers the cheapest rates, averaging $62 per year.

Insurance Provider Average Annual Cost
AssuranceAmerica Economy $1,524
SECURA Insurance $1,164
North Carolina Farm Bureau $1,229
Kemper Auto | Infinity $1,273
Safeco $62
Utica National Ins Group $1,074
American National P $1,077
Kemper Personal Insurance $281
Mercury Insurance $1,039
Titan $1,270

2016 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2016 Chrysler 300 is $839. However, Safeco offers the cheapest rates, averaging $75 per year.

Insurance Provider Average Annual Cost
Dairyland Broadform $1,046
American National P $746
AssuranceAmerica Mobile Max $537
North Carolina Farm Bureau $1,101
Umialik Insurance $1,093
SECURA Insurance $1,119
Mercury Insurance $712
Commerce Group Inc $984
Concord Group $978
Safeco $75

2015 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2015 Chrysler 300 is $717. However, Safeco offers the cheapest rates, averaging $93 per year.

Insurance Provider Average Annual Cost
Utica National Ins Group $771
American National P $857
NatGen Custom 360 $276
SECURA Insurance $1,003
Safeco $93
Clearcover $708
Mercury Insurance $418
Indiana Farmers Mutual Ins $1,066
North Carolina Farm Bureau $945
Buckeye Insurance Group $1,035

2014 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2014 Chrysler 300 is $632. However, Safeco offers the cheapest rates, averaging $97 per year.

Insurance Provider Average Annual Cost
Kemper Personal Insurance $220
NatGen Custom 360 $413
Safeco $97
Indiana Farmers Mutual Ins $991
Dairyland Broadform $819
Utica National Ins Group $930
SECURA Insurance $923
Dairyland Auto 1 Month $321
Infinity Special $900
Buckeye Insurance Group $706

2013 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2013 Chrysler 300 is $580. However, Safeco offers the cheapest rates, averaging $38 per year.

Insurance Provider Average Annual Cost
Mercury Insurance $496
Safeco $38
Kemper Auto Premium $563
Dairyland FR Bond $282
Kemper Personal Insurance $506
Dairyland Broadform $724
American National P $774
PEMCO $828
Buckeye Insurance Group $891
Utica National Ins Group $700

2012 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2012 Chrysler 300 is $761. However, Safeco offers the cheapest rates, averaging $172 per year.

Insurance Provider Average Annual Cost
North Carolina Farm Bureau $791
Safeco $172
NatGen Custom 360 $955
Kemper Personal Insurance $266
NatGen Value $953
Tennessee Farmers $1,079
American National P $685
West Bend Mutual $1,072
Mercury Insurance $653
SECURA Insurance $983

2011 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2011 Chrysler 300 is $744. However, Safeco offers the cheapest rates, averaging $37 per year.

Insurance Provider Average Annual Cost
American National P $669
SECURA Insurance $1,053
Utica National Ins Group $762
Dairyland Auto 1 Month $615
Southern Farm Bureau $1,043
New Jersey Manufacturers $952
Indiana Farmers Mutual Ins $1,054
Safeco $37
Mercury Insurance $613
NatGen Value $643

2010 Chrysler 300 Insurance Rates

The average annual insurance cost for a 2010 Chrysler 300 is $411. However, Safeco offers the cheapest rates, averaging $107 per year.

Insurance Provider Average Annual Cost
National General Value $646
Kemper Personal Insurance $186
Safeco $107
Kemper Auto Premium $396
PEMCO $668
NatGen Custom 360 $478
Mercury Insurance $181
Dairyland Broadform $508
American National P&C $497
National General RAD $447

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Is A Chrysler 300 Expensive To Insure?

The cost to insure a Chrysler 300 is higher than the average for all cars. However, the actual premium you’ll pay depends on several factors, including your age, the car’s model year, your location, and other individual circumstances.

Cost of Chrysler 300 Car Insurance By Age

Age is a major factor in determining car insurance rates. Teenagers usually face the highest premiums since they’re statistically more likely to get into accidents compared to other age groups. As drivers get older, their premiums generally decrease as they are considered lower-risk.

Driver Age Good Driver Recent Accident Poor Credit
17 $8,360 $12,268 $14,313
18 $7,786 $11,480 $13,342
19 $6,864 $10,071 $11,840
20 $5,972 $8,857 $10,348
21 $4,990 $7,436 $8,676
22 $4,860 $7,195 $8,436
23 $4,289 $6,312 $7,331
24 $4,097 $6,018 $7,006
25 $3,495 $5,159 $6,077
30 $2,693 $4,023 $4,709
35 $2,599 $3,767 $4,409
40 $2,506 $3,644 $4,227
45 $2,399 $3,491 $4,112
55 $2,236 $3,204 $3,791
65 $2,329 $3,420 $3,980
75 $2,908 $4,272 $4,975

Chrysler 300 Car Insurance Rates By State

Your location has a major impact on how insurance companies determine rates. Each state sets its own auto insurance regulations—Michigan drivers, for example, often pay higher premiums due to the state’s requirement for more comprehensive coverage.

Additionally, the climate in your area plays a role—states that experience extreme weather, like hurricanes, storms, or flooding, may have higher insurance rates. Each region also has its own statistics on crime and auto accidents, including thefts, crashes, and vehicle fatality rates. Insurance providers take all of these factors into account when calculating your specific Chrysler 300 insurance premium.

State Good Driver Recent Accident Poor Credit
Alabama $2,597 $3,802 $4,858
Alaska $2,128 $3,004 $2,888
Arizona $2,409 $3,559 $5,214
Arkansas $2,666 $4,195 $4,677
California $2,938 $5,264 $2,981
Colorado $2,757 $3,863 $4,903
Connecticut $3,603 $5,470 $7,029
Delaware $2,917 $3,898 $5,066
Florida $3,514 $4,828 $6,291
Georgia $2,882 $4,254 $4,312
Hawaii $1,126 $1,572 $1,187
Idaho $2,031 $2,601 $3,203
Illinois $2,086 $3,152 $3,563
Indiana $2,132 $3,303 $3,709
Iowa $1,641 $2,305 $2,763
Kansas $2,290 $3,278 $3,795
Kentucky $3,243 $4,770 $5,586
Louisiana $4,124 $6,298 $6,802
Maine $1,577 $2,218 $3,214
Maryland $2,524 $3,759 $4,162
Massachusetts $2,049 $3,528 $2,017
Michigan $4,938 $7,554 $11,851
Minnesota $2,031 $2,692 $3,787
Mississippi $2,457 $3,512 $3,490
Missouri $2,296 $3,259 $4,338
Montana $2,336 $3,316 $3,794
Nebraska $2,035 $2,957 $3,200
Nevada $3,281 $4,897 $5,165
New Hampshire $2,283 $3,616 $4,579
New Jersey $2,480 $3,969 $5,169
New Mexico $2,590 $3,843 $3,970
New York $2,364 $2,980 $5,043
North Carolina $1,487 $2,561 $1,762
North Dakota $2,002 $3,019 $3,601
Ohio $1,778 $2,735 $2,880
Oklahoma $2,844 $4,133 $4,648
Oregon $2,603 $3,509 $4,231
Pennsylvania $2,200 $3,271 $3,761
Rhode Island $3,674 $5,423 $6,023
South Carolina $2,457 $3,478 $4,758
South Dakota $2,229 $3,244 $3,744
Tennessee $2,626 $3,870 $5,198
Texas $2,659 $3,846 $4,719
Utah $2,230 $3,190 $4,314
Vermont $1,711 $2,691 $2,821
Virginia $1,682 $2,472 $2,437
Washington $2,203 $2,925 $3,462
West Virginia $2,196 $3,094 $3,934
Wisconsin $2,206 $3,387 $3,868
Wyoming $2,038 $2,809 $3,016

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Cheapest Car Insurance Companies For A Chrysler 300

If you’re considering a new car insurance policy for your Chrysler 300, you might be wondering which companies offer the cheapest rates. For those looking for the most affordable option, MetroMile offers a premium starting at $24 per month, making them one of the cheapest providers for a Chrysler 300.

However, insurance rates can vary based on your driver profile, so this figure is just an average. To ensure you get the best deal for your situation, it’s important to shop around and compare quotes from multiple providers.

Company Average Monthly Rate
MetroMile $24
Hugo $57
AnswerFinancial $46
Clearcover $60
Shelter Mutual $56

Common Chrysler 300 Insurance Discounts

Discounts are a great way to reduce your car insurance expenses. Each auto insurance provider offers various discounts, and here are some common ones you might qualify for:

  • Multi-policy: Bundle your home and auto insurance with the same provider to receive a discounted rate.
  • Pay annually: Opting to pay your premium in one lump sum, instead of monthly installments, can lead to savings.
  • Defensive driving: Completing a certified defensive driving course may make you eligible for lower rates.

There may be other discounts available depending on your situation. It’s best to speak with your insurance agent, who can help you determine which discounts you’re eligible for.

Ways To Save On Chrysler 300 Insurance Costs

Maintaining a clean driving record is one of the best ways to keep your Chrysler 300 insurance costs down. A speeding ticket or involvement in an accident can significantly raise your premiums.

Chrysler 300 drivers with a ticket on their record can expect to pay around $101 per month, while those with multiple accidents will pay an average of $170 per month. By avoiding these incidents, you can help keep your insurance costs lower.

Additionally, drivers with lower annual mileage typically pay less for Chrysler 300 insurance, as fewer miles on the road mean fewer chances of accidents, making you a lower risk to insure.

Chrysler 300 drivers who drive between 5,000 and 7,500 miles per year generally pay around $89 per month for car insurance. In contrast, those who drive over 10,000 miles per year will pay approximately $90 per month.

Compare Chrysler 300 To Other Chrysler Models

Looking for other Chrysler model insurance costs?

Our Methodology

To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was that of a 40-year-old male driver purchasing full-coverage insurance, with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that the figures in this guide may not match your specific insurance costs, as premiums can vary based on individual factors such as age, driving history, location, and coverage preferences.

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FAQs

Do You Need Insurance Before You Can Purchase A Chrysler 300?

Yes, you will need to provide proof of insurance before you can drive your Chrysler 300 off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than opting for insurance directly through the dealership. This way, you can ensure you get the coverage that best suits your needs.

How Can You Get The Cheapest Insurance For Your Chrysler 300?

The best way to find the most affordable rates for your Chrysler 300 is by shopping around and comparing quotes from various auto insurance companies. Luckily, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website.

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