Dodge Charger vs Chrysler 300 Insurance Cost
The Chrysler 300 is cheaper to insure by about $135 a year for full coverage by our estimate ($1,635 vs. $1,500), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Dodge Charger | Chrysler 300 | Difference |
|---|---|---|---|
| State minimum | $615 | $615 | — |
| Standard (100/300/100) | $890 | $890 | — |
| Full coverage | $1,635 | $1,500 | +$135 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Charger minus 300.
Why one costs more to insure
| Factor | Dodge Charger | Chrysler 300 |
|---|---|---|
| Segment | Full-size car | Full-size car |
| Powertrains | Gasoline, Electric, Flex-fuel | Gasoline, Flex-fuel |
| HLDI collision (100 = avg) | — | — |
| HLDI comprehensive | — | — |
| HLDI property damage liability | — | — |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 4 | 5 |
Charger vs 300 insurance by state
By driver profile (full coverage)
| Driver | Charger | 300 |
|---|---|---|
| Teen driver (18, own policy) | $4,495 | $4,125 |
| Young adult (22) | $2,615 | $2,400 |
| Adult in their 30s | $1,635 | $1,500 |
| Adult in their 50s | $1,505 | $1,380 |
| Senior (72) | $1,830 | $1,680 |
| 30s, one at-fault accident | $2,370 | $2,175 |
| 30s, DUI on record | $3,025 | $2,775 |
More comparisons
Frequently asked questions
Is the Dodge Charger or the Chrysler 300 cheaper to insure?
By our estimate the Chrysler 300 is cheaper, by about $135 a year for full coverage ($1,635 vs. $1,500) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Dodge Charger and Chrysler 300?
Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.