- Chrysler 300 insurance averages $2,286 per year or around $191 per month, depending on the trim level.
- The 300 Touring trim level is the cheapest to insure at around $2,146 per year. The most expensive trim is the C at $2,520 per year.
- The Chrysler 300 is one of the cheaper large cars to insure, costing $429 less per year on average when compared to to the rest of the segment.
How much does Chrysler 300 car insurance cost?
Chrysler 300 insurance costs an average of $2,286 per year for a full coverage policy. Monthly insurance cost ranges from $179 to $210, depending on the trim level being insured.
Average cost for individual policy coverages is $630 a year for liability insurance, $1,058 for collision, and the remaining $598 is for comprehensive coverage.
The following chart shows average car insurance rates for a 2023 Chrysler 300 using a variation of different driver ages and risk scenarios.
To give you a better sense of the full range of possible insurance rates, consider that you can buy a liability-only policy in the cheaper areas of Maine or Idaho can be as low as $206 a year, while a newly-licensed teen driver with a few tickets and claims in some neighborhoods in New York City, could be looking at $17,759 a year for a policy with full coverage.
Some additional important data observations about Chrysler 300 car insurance rates include:
- Avoiding accidents saves money. Having frequent accidents may increase rates, possibly as much as $3,218 per year for a 20-year-old driver and even $532 per year for a 60-year-old driver.
- Policy discounts save money. Discounts may be available if the insureds are senior citizens, take a defensive driving course, are accident-free, are military or federal employees, or many other policy discounts which could save the average driver as much as $386 per year.
- Young males pay a lot more for insurance. For a 2023 Chrysler 300, a 20-year-old male receives an average rate of $4,568 per year, while a 20-year-old female will pay an average of $3,284, a difference of $1,284 per year. The females get much better rates. But by age 50, the rate for men is $2,022 and the cost for female drivers is $1,972, a difference of only $50.
- Tickets and violations can cost a lot. In order to have the most reasonable price on 300 insurance rates, it’s necessary to drive within the law. Just one or two blemishes on your motor vehicle report could raise 300 insurance rates by at least $596 per year. Major convictions like a DWI could raise rates by an additional $2,094 or more.
- Prepare for sticker shock for high risk insurance. For a 30-year-old driver, having too many driving record violations or accidents can potentially increase rates by $2,784 or more per year.
- Plan on paying a lot to insure a teen driver. Chrysler 300 insurance costs an average of $8,021 per year for a 16-year-old driver, $7,790 per year for a 17-year-old driver, and $7,017 per year for an 18-year-old driver.
What models have cheap Chrysler 300 insurance?
The cheapest trim level of Chrysler 300 to insure is the Touring at around $2,146 per year. The next cheapest trim is the Touring AWD at $2,172 per year, and the third cheapest trim level to insure is the Touring L at $2,230 per year.
The three highest-cost models to insure are the Chrysler 300 S V6, the S V8, and the C trim levels at an estimated $2,306, $2,370, and $2,520 per year, respectively.
With the majority of models, as vehicle cost increases with multiple vehicle add-ons, insurance policy cost trends upward as well. The next table details average yearly and 6-month auto insurance rates, including a monthly budget figure, for each Chrysler 300 model and trim level.
| 2023 Chrysler 300 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Touring | $2,146 | $179 |
| Touring AWD | $2,172 | $181 |
| Touring L | $2,230 | $186 |
| Touring L AWD | $2,250 | $188 |
| S V6 | $2,306 | $192 |
| S V8 | $2,370 | $198 |
| C | $2,520 | $210 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
How does insurance cost rank versus other large cars?
The Chrysler 300 ranks first out of three total vehicles in the 2023 large car segment. The 300 costs an average of $2,286 per year to insure for full coverage and the segment median rate is $2,715 annually, a difference of $429 per year.
When average insurance rates are compared to other popular large cars, the Chrysler 300 costs $956 less per year than the Dodge Charger and $332 less than the Nissan Maxima.
The table below shows how Chrysler 300 car insurance cost compares to the top 10 best-selling large cars.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Chrysler 300 | $2,286 | -- |
| 2 | Nissan Maxima | $2,618 | $332 |
| 3 | Dodge Charger | $3,242 | $956 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2023 model year. Updated October 24, 2025
