Chrysler 300 Car Insurance Cost 2025
The average cost to insure a Chrysler 300 is from $2,200 to $4,400 annually. 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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The Chrysler 300 is a stylish and powerful midsize sedan, and its insurance costs can vary based on several factors. On average, insuring a 2025 Chrysler 300 can range from $2,200 to $4,400 annually, depending on the insurance provider and coverage level. Factors such as the driver’s age, location, driving history, and the car’s safety features also play a role in determining the insurance rates. It’s essential to compare quotes from different insurance companies to find the best rate for your specific needs. By shopping around and considering various coverage options, you can ensure that you’re getting the most cost-effective insurance for your Chrysler 300.
How Much Does Chrysler 300 Car Insurance Cost?
Chrysler 300 drivers typically pay an average from $2,200 to $4,400 annually 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 |
| 2025 Chrysler 300 | $3,060 |
| 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 |
2025 Chrysler 300 Insurance Rates
The average annual insurance cost for a 2025 Chrysler 300 is $3,060. However, Erie offers the cheapest rates, averaging $2,300 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $2,300 |
| Progressive | $3,300 |
| GEICO | $2,900 |
| Safe Auto | $4,400 |
| State Farm | $2,700 |
| Farmers | $3,500 |
| Nationwide | $2,400 |
| Auto Owners | $2,400 |
| Mercury | $3,100 |
| Allstate | $3,600 |
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 |
Find Affordable Chrysler 300 Insurance Rates
Is A Chrysler 300 Expensive To Insure?
The Chrysler 300 is considered a midsize luxury sedan, and its insurance costs can be moderate to high compared to other vehicles in its class. Factors such as the vehicle’s value, repair costs, and safety features contribute to the insurance rates. Additionally, the driver’s age, location, driving history, and coverage level also influence the cost. Overall, while the Chrysler 300 may have higher insurance rates than some non-luxury sedans, it is not necessarily the most expensive to insure. It’s advisable to compare quotes from multiple insurance providers to find the best rate for your specific situation and coverage needs.
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 |
Find Affordable Chrysler 300 Insurance Rates
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. Erie offers the cheapest monthly rate at $183, while GEICO is the most expensive among the top 5 with a monthly rate of $242. The other companies fall in between these rates, providing a range of options for insuring a Chrysler 300.
| Company | Average Monthly Rate |
| Erie | $183 |
| GEICO | $242 |
| Auto Owners | $200 |
| Nationwide | $200 |
| State Farm | $217 |
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.
