Estimates, not quotes

Chrysler 300 Insurance Cost

Full coverage for a Chrysler 300 costs about $1,500 a year ($125/month) by our estimate — ▼ −6% versus the average vehicle.

Chrysler 300 exterior (photo from Wikimedia Commons)
Photo: Kevauto, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Chrysler 300 insurance cost at a glance

Full coverage
$1,500
$125/mo · $1,230–$1,770
Minimum liability
$615
$51/mo
Segment
Full-size car
Gasoline, Flex-fuel
NHTSA overall
★★★★☆
2023 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2023 model year. Our vehicle data covers the 2005–2023 model years of the Chrysler 300, which is no longer in production.

Estimated Chrysler 300 premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $615 $51 $505–$725
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $890 $74 $730–$1,050
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,500 $125 $1,230–$1,770

What drives the cost of insuring a Chrysler 300

HLDI does not publish loss results for the Chrysler 300, so our estimate uses the typical losses of its segment (Full-size car): 1.00× average for liability, 1.08× for collision and 1.02× for comprehensive.

  • Repair and parts costs: Full-size car — mainstream parts availability keeps repairs moderate.
  • Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 5 NHTSA recall campaigns and 31 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Chrysler 300 trims and configurations (2023)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
300RWD3.6L 6-cyl23
300RWD5.7L 8-cyl19
300RWD6.4L 8-cyl18
300 AWDAWD3.6L 6-cyl21

Chrysler 300 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20233.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cylAWD, RWD18–23$1,500
20223.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,465
20213.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,435
20203.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,400
20193.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,365
20183.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,335
20173.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,300
20163.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,265
20153.6L 6-cyl, 5.7L 8-cylAWD, RWD19–23$1,260
20143.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cylAWD, RWD17–23$1,260
20133.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cylAWD, RWD17–23$1,260
20123.6L 6-cyl, 5.7L 8-cyl, 6.4L 8-cylAWD, RWD17–23$1,260
20113.6L 6-cyl, 5.7L 8-cylAWD, RWD18–21$1,260
20102.7L 6-cyl, 3.5L 6-cyl, 5.7L 8-cylAWD, RWD15–21$1,260
20092.7L 6-cyl, 3.5L 6-cyl, 5.7L 8-cyl4WD/AWD, RWD15–21$1,260
20082.7L 6-cyl, 3.5L 6-cyl, 5.7L 8-cyl4WD/AWD, RWD15–21$1,260
20072.7L 6-cyl, 3.5L 6-cyl, 5.7L 8-cyl4WD/AWD, RWD15–21$1,260
20062.7L 6-cyl, 3.5L 6-cyl, 5.7L 8-cyl4WD/AWD, RWD15–21$1,260
20052.7L 6-cyl, 3.5L 6-cyl, 5.7L 8-cyl4WD/AWD, RWD15–21$1,260

Chrysler 300 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the 300 page for that state.

StateFull coverageMinimumvs. national300 page
Alabama$1,295$480−14%300 in AL
Alaska$1,310$625−13%300 in AK
Arizona$1,575$660+5%300 in AZ
Arkansas$1,310$450−13%300 in AR
California$1,460$575−3%300 in CA
Colorado$1,695$650+13%300 in CO
Connecticut$1,600$710+7%300 in CT
Delaware$1,690$800+13%300 in DE
District of Columbia$1,885$740+26%300 in DC
Florida$2,170$1,080+45%300 in FL
Georgia$1,875$870+25%300 in GA
Hawaii$1,030$435−31%300 in HI
Idaho$1,015$400−32%300 in ID
Illinois$1,295$500−14%300 in IL
Indiana$1,060$405−29%300 in IN
Iowa$1,005$310−33%300 in IA
Kansas$1,185$405−21%300 in KS
Kentucky$1,265$525−16%300 in KY
Louisiana$2,080$790+39%300 in LA
Maine$950$425−37%300 in ME
Maryland$1,690$755+13%300 in MD
Massachusetts$1,470$590−2%300 in MA
Michigan$1,630$765+9%300 in MI
Minnesota$1,245$470−17%300 in MN
Mississippi$1,425$530−5%300 in MS
Missouri$1,355$510−10%300 in MO
Montana$1,185$395−21%300 in MT
Nebraska$1,190$405−21%300 in NE
Nevada$1,745$865+16%300 in NV
New Hampshire$1,060$400−29%300 in NH
New Jersey$1,825$935+22%300 in NJ
New Mexico$1,340$520−11%300 in NM
New York$2,025$930+35%300 in NY
North Carolina$1,105$450−26%300 in NC
North Dakota$945$275−37%300 in ND
Ohio$1,065$405−29%300 in OH
Oklahoma$1,340$470−11%300 in OK
Oregon$1,360$625−9%300 in OR
Pennsylvania$1,300$425−13%300 in PA
Rhode Island$1,825$820+22%300 in RI
South Carolina$1,615$735+8%300 in SC
South Dakota$1,125$315−25%300 in SD
Tennessee$1,235$450−18%300 in TN
Texas$1,765$690+18%300 in TX
Utah$1,370$655−9%300 in UT
Vermont$960$320−36%300 in VT
Virginia$1,290$625−14%300 in VA
Washington$1,315$590−12%300 in WA
West Virginia$1,240$435−17%300 in WV
Wisconsin$1,020$370−32%300 in WI
Wyoming$1,150$325−23%300 in WY

Chrysler 300 insurance by driver profile

Estimated annual Chrysler 300 premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,690 $2,450 $4,125 $344
Young adult (22) $980 $1,425 $2,400 $200
Adult in their 30s $615 $890 $1,500 $125
Adult in their 50s $565 $820 $1,380 $115
Senior (72) $690 $995 $1,680 $140
30s, one at-fault accident $890 $1,290 $2,175 $181
30s, DUI on record $1,135 $1,645 $2,775 $231

Chrysler 300 vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Chrysler 300$1,500———
Dodge Charger$1,635——Compare
Tesla Model S$2,025216152Compare
Toyota Avalon$1,440——Compare

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Frequently asked questions

How much is insurance for a Chrysler 300?

We estimate about $1,500 a year ($125 a month) for full coverage and $615 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% less than the average vehicle.

Which state is cheapest to insure a Chrysler 300?

North Dakota has the lowest estimate (about $945 a year for full coverage) and Florida the highest (about $2,170).

What is the Chrysler 300's NHTSA safety rating?

The 2023 Chrysler 300 earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Chrysler 300 cheaper to insure than the Dodge Charger?

By our estimate the Chrysler 300 costs about $1,500 a year versus $1,635 for the Dodge Charger, making it the cheaper of the two to insure.

How much is Chrysler 300 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,125 a year at national-average rates by our estimate.

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.

Sources used on this page