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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Chrysler 300 car insurance costs an average of $172 per month, which is about 6% more than the U.S. average for all vehicles.
USAA has the cheapest auto insurance coverage for the Chrysler 300, at just $92 per month.
The 300’s luxury performance features and missing safety tech can push premiums above the average.
When shopping for car insurance, how much you pay depends on the policy you choose. Liability-only coverage protects others if you’re in an accident. It’s usually the cheapest option, but it won’t cover the cost of fixing your car.
Full coverage combines liability insurance with comprehensive and collision coverage to protect your vehicle as well. Comprehensive insurance covers damage from things like theft, vandalism, and weather. Collision insurance covers accident repairs, even if you’re at fault.
The cost difference can be dramatic. Check out the table below to compare average monthly premiums for the Chrysler 300 with the average rates for all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Chrysler 300 | $120 | $223 | $172 |
| All vehicles | $113 | $212 | $163 |
Full coverage for the 300 averages $223 per month, compared to $212 for all vehicles. Liability costs an average of $120 per month, versus $113 for all vehicles.
The insurance company you pick also affects your costs. Insurers consider many different factors when setting rates, like your age and driving history.
With that in mind, let’s take a look at the cheapest insurers for the 300.
You’ll likely find very different prices from different insurance companies, even when comparing the same coverage. Because every insurer weighs risks and repair costs differently, shopping around is important.
The table below lists the cheapest insurers for the Chrysler 300, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| Allstate | $130 |
| American Family | $138 |
| GEICO | $142 |
| AAA | $156 |
| Nationwide | $168 |
| Progressive | $171 |
| Travelers | $175 |
| Farmers | $198 |
| Liberty Mutual | $236 |
| Amica | $446 |
Let’s explore what makes USAA, State Farm, and Allstate three of the best car insurance companies for the Chrysler 300.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers standard coverages you’d expect, plus options like rental reimbursement and discounts for living on base. The downside is that membership is available only to military members and eligible family. But if you qualify, you’ll get access to some of the cheapest average rates for the Chrysler 300.
Exclusive rewards program
Excellent customer satisfaction ratings[1]
No physical branches
Few discounts available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers Chrysler 300 owners access to a large network of insurance agents throughout the U.S. That’s an excellent perk for those who prefer in-person support. State Farm also offers many discounts to help keep rates low, plus the Drive Safe & Save telematics program that can save you money for safe driving habits.
Customizable bundling options
Above-average customer satisfaction ratings
Gap insurance not available
Customer experience varies by agent
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate’s policy options include accident forgiveness, which protects you from a rate hike after a crash. It also offers Deductible Rewards to help lower your out-of-pocket costs when filing a claim. The Chrysler 300 has theft alert and GPS to help track down a stolen vehicle, which can qualify you for safety discounts.
Generous bundling discount
Savings for students and young drivers
Below-average claims handling rating[2]
Limited options to customize coverage
Compare quotes for your Chrysler 300 starting at $92 per month.
Your car’s model year affects your insurance costs. Typically, brand-new vehicles cost quite a bit more to insure than older models.
The last 300 models hit the road in 2023, but that doesn’t necessarily mean they’re a cheap car to insure. Still, older models typically have relatively affordable rates, as depreciation comes more into play.
Here’s a look at how monthly costs change based on the model year of your Chrysler 300, based on Compare.com data.
300 Model Year | Average Monthly Premium |
|---|---|
| 2023 | $207 |
| 2022 | $207 |
| 2021 | $200 |
| 2020 | $191 |
| 2019 | $187 |
| 2018 | $180 |
| 2017 | $177 |
| 2016 | $172 |
| 2015 | $168 |
| 2014 | $166 |
| 2013 | $157 |
| 2012 | $153 |
| 2011 | $149 |
| 2010 | $146 |
| 2009 | $141 |
| 2008 | $140 |
| 2007 | $137 |
| 2006 | $136 |
| 2005 | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| State Farm | $123 |
| Allstate | $156 |
| GEICO | $171 |
| AAA | $188 |
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| State Farm | $123 |
| Allstate | $156 |
| GEICO | $171 |
| AAA | $188 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $119 |
| Allstate | $151 |
| GEICO | $165 |
| AAA | $182 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $113 |
| Allstate | $144 |
| GEICO | $158 |
| AAA | $173 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $111 |
| Allstate | $141 |
| GEICO | $154 |
| AAA | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $107 |
| Allstate | $136 |
| GEICO | $149 |
| AAA | $163 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $105 |
| Allstate | $134 |
| GEICO | $146 |
| AAA | $161 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $102 |
| Allstate | $130 |
| GEICO | $142 |
| AAA | $156 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $127 |
| GEICO | $139 |
| AAA | $152 |
Your ZIP code also helps shape your 300 insurance costs. Your state’s coverage requirements, local weather risks, repair shop costs, and even fraud rates all factor into your monthly premium.[3]
For example, dense urban neighborhoods with bumper-to-bumper traffic typically pay higher rates than small towns with wide-open roads.
Here’s how average rates for a Chrysler 300 vary based on where you call home, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $142 |
| Arizona | $151 |
| Arkansas | $163 |
| California | $185 |
| Colorado | $185 |
| Connecticut | $256 |
| Delaware | $215 |
| Florida | $200 |
| Georgia | $229 |
| Hawaii | $113 |
| Idaho | $94 |
| Illinois | $143 |
| Indiana | $117 |
| Iowa | $97 |
| Kansas | $133 |
| Kentucky | $178 |
| Louisiana | $192 |
| Maine | $126 |
| Maryland | $273 |
| Massachusetts | $136 |
| Michigan | $207 |
| Minnesota | $156 |
| Mississippi | $136 |
| Missouri | $163 |
| Montana | $134 |
| Nebraska | $130 |
| Nevada | $228 |
| New Hampshire | $79 |
| New Jersey | $242 |
| New Mexico | $130 |
| New York | $198 |
| North Carolina | $80 |
| North Dakota | $105 |
| Ohio | $111 |
| Oklahoma | $154 |
| Oregon | $137 |
| Pennsylvania | $145 |
| Rhode Island | $198 |
| South Carolina | $220 |
| South Dakota | $124 |
| Tennessee | $128 |
| Texas | $197 |
| Utah | $135 |
| Vermont | $129 |
| Virginia | $161 |
| Washington | $153 |
| Washington D.C. | $283 |
| West Virginia | $133 |
| Wisconsin | $109 |
| Wyoming | $101 |
Your years of experience behind the wheel directly affect how much you pay for Chrysler 300 insurance. For example, teens pay much more than older drivers because they’re more likely to get into an accident, according to the U.S. Centers for Disease Control and Prevention (CDC).[4]
But as drivers gain experience, their crash risks — and insurance premiums — tend to go down. Older drivers typically pay the cheapest rates thanks to their years behind the wheel.
Here’s a look at average Chrysler 300 insurance costs by driver age, based on Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $330 |
| Adults | $172 |
| Seniors | $148 |
Drivers younger than 20 are much more likely to get into serious — and even deadly — car accidents than older, more experienced drivers. The combination of inexperience and risky behaviors makes teens the most costly group to insure.
But teens can still find some relief by choosing the right company.
Here’s a look at the cheapest insurers for teen 300 drivers, according to our data.
Senior drivers usually benefit from decades of experience and safer driving habits. And insurers reward that lowered risk with lower rates. Many older drivers intentionally avoid nighttime driving and challenging road conditions. Plus, they tend to follow speed limits and traffic laws more than younger drivers.[5]
But these already low average rates don’t necessarily limit your savings possibilities. These five companies have average car insurance costs that are significantly cheaper than what the typical senior pays, according to Compare.com data.
Your driving record carries enormous weight when insurers calculate your 300 premiums. Insurance companies price policies based on expected claim costs, and traffic violations or accidents show them you’re more likely to file future claims.
Here’s how average rates for Chrysler 300 drivers change for various infractions, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $172 |
| Speeding ticket | $230 |
| At-fault accident | $246 |
| DUI | $289 |
A recent speeding ticket raises your Chrysler 300 insurance because driving faster dramatically increases your crash risk. When you speed, you have less reaction time, need more distance to stop, and face worse outcomes if you crash.[6] All of these factors contribute to a higher risk, which means more expensive car insurance.
But you can limit the blow by choosing the right company. The chart below shows the cheapest insurers for drivers with recent speeding tickets, according to our data.
An at-fault accident signals to insurers that you’re more likely to file claims down the road. And that adds up to higher rates.
In fact, most insurers will raise your rates by a certain percentage if you file a claim for an at-fault accident above a certain dollar amount. But the exact percentage and how long it bumps up your rates depend on the insurance company.[7]
These companies consistently offer some of the most affordable premiums for 300 drivers with a recent accident, according to Compare.com data.
A driving under the influence (DUI) conviction can make it difficult to find cheap insurance for your Chrysler 300. And sometimes it may even make it a struggle to find coverage at all.
Driving drunk makes you four times more likely to have an accident, according to the National Highway Traffic Safety Administration (NHTSA).[8] And people with one DUI conviction are likely to drive under the influence again, according to the CDC.[9]
All these factors add up to the highest rate hikes of any infraction. Even so, the companies below may help you limit the inevitable rate increases if you drive a 300 and have a DUI.
Here are the insurers with the cheapest rates for 300 drivers with a DUI conviction, according to our data.
The Chrysler 300’s design and performance play a big role in your insurance premiums. Some features of the 300 that influence your rates include:
Minimal safety features: The 300 Touring model lacks blind-spot alert, and collision warning is optional on most trims. Fewer safety features can push up rates because you’re more likely to cause an accident.
Hard-to-find parts: Since Chrysler discontinued the 300, replacement parts are harder to find. More expensive parts mean more expensive insurance rates.
Performance: As a luxury performance sedan, the 300C hits 60 mph in 4.3 seconds. High-performance vehicles can cost more to insure because performance can translate to costly repairs.
High vehicle value: The 2023 300 has a resale value of $37,740, but prices vary by year. Higher-value vehicles cost more to repair or replace, so you’ll pay more for auto coverage.
Low theft risk: The 300 isn’t a common theft target. But full-size sedans with luxury features can attract thieves, increasing the risk that you’ll file a claim.
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The Chrysler 300’s luxury status and performance features can drive up rates. Here are some tips to bring your premiums down:
Double-check safety features. When shopping for the 300, check that it comes with optional safety features that can qualify you for discounts.
Ask about telematics programs. If you practice safe driving habits, programs like Allstate’s Drivewise and USAA’s SafePilot can lower your premiums.
Bundle coverage with the same company. The 300’s premiums are higher than average, but bundling your auto policy with homeowners or renters insurance can help keep costs down.
Compare quotes. Shopping around can help you score the best deal. Compare quotes from at least three companies to make sure you get the best deal.
Get rates from 100+ top insurers and save money in seconds.
Insuring a full-size sedan like the Chrysler 300 raises questions you won’t find in the owner’s manual. Below, we tackled some of the insurance questions that matter most to 300 drivers.
Yes. Even though 2023 is the most recent model year, the Chrysler 300 is expensive to insure. The average monthly premium for the Chrysler 300 is $172, according to Compare.com data. That’s around $10 more than the average for all vehicles.
USAA has the cheapest rates for the Chrysler 300, at just $92 per month, according to Compare.com data. But you must be a member of the military community or a relative of one to be eligible. State Farm and Allstate also offer affordable rates, averaging $102 and $130 per month, respectively.
The Chrysler Pacifica is the cheapest Chrysler model to insure. Coverage for the 2023 Pacifica averages $166 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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