Buy Cheap Chrysler Auto Insurance in (2023)

Whether you already own a Chrysler or are considering buying a Chrysler, you probably also want to know how much auto insurance will cost you. Rates aren’t usually that expensive for Chrysler models, making it easier to buy cheap auto insurance, but rates do vary based on multiple factors. Insurance companies don’t just consider what model of Chrysler you have but also your driving record and other relevant information.

Keep reading to learn about finding cheap Chrysler auto insurance, from what coverages you should consider carrying to ways to save on your policy.

Types of Auto Insurance for Chryslers

There are a handful of coverages you may be required to carry on your Chrysler, depending on your state’s mandated coverages. You can check our guide on the minimum auto insurance required by state to see what is required in your state. Generally, you will be required to carry a few of the following types of auto insurance coverages:

• Bodily injury liability insurance: If you hit another car and injure someone, bodily injury liability auto insurance will pay their medical bills up to the policy limit.
• Medical payments (MedPay) insurance: If you or your passengers are injured in a car accident, MedPay will help pay for your medical bills up to the policy limit.
• Personal injury protection (PIP) insurance: If you or your passengers are injured in a car accident, PIP will help pay your medical bills, as well as lost wages and other injury-related costs.
• Property damage liability insurance: If you hit another car or an object and damage it, property damage liability insurance will pay for the other parties’ repair bills.
• Underinsured motorist insurance: If a driver hits your car and doesn’t have enough insurance to completely cover your accident bills, underinsured motorist insurance will help pay for the remainder of your costs.
• Uninsured motorist insurance: If a driver hits your car and doesn’t have insurance, uninsured motorist insurance will help pay for your repairs.

In addition to legally being required to carry some of the above auto insurance coverages, you will also be required to carry additional coverages if you have a lease or loan on your Chrysler. Your lender will require you to carry comprehensive insurance and collision insurance for the duration of your loan.

Both these coverages protect the lender’s assets. Collision insurance pays for your Chrysler’s repairs if you hit another car or an object, whereas comprehensive insurance covers animal collisions, vandalism, falling objects, and weather damages. Learn how much auto insurance you need.

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Average Chrysler Auto Insurance Rates

Now that you know what coverages you’ll need for your Chrysler, let’s look at some of the average auto insurance rates by coverage type and Chrysler model. While a liability insurance policy is the cheapest, you may still want to carry collision and comprehensive insurance for a full coverage policy that provides more complete protection.

The Chrysler 300 is one of the more expensive Chrysler models to insure. A new Chrysler 300 can range anywhere from $30,000 to $50,000, depending on what build you choose. On the other hand, Chrysler Town and Country models have a retail price of about half of what a Chrysler 300 retails for and is, therefore, one of the cheaper Chrysler models to insure.

In addition to the overall value of your Chrysler, your driving record and age will also impact your auto insurance rates, as you can see from the average rates displayed below.

Younger drivers are charged more because they are more likely to crash due to driving inexperience and file a claim. If you are a young driver, check out our guide to the best auto insurance for young adults to learn about ways to save on auto insurance policies for young drivers.

Drivers with poor driving records will also pay more, as insurance companies label these drivers as high-risk. Keeping a driving record free of traffic tickets, at-fault accidents, and DUIs will go a long way to finding cheap Chrysler auto insurance. Learn how to buy auto insurance.

How to Save on Chrysler Auto Insurance

You can do a few things to try and lower your auto insurance rates for your Chrysler, which we listed below.

• Bundle your auto insurance. If your insurance company offers more than one type of insurance, you can usually bundle your auto insurance with another insurance, like home or renters insurance, for a significant auto insurance bundling discount.
• Increase your auto insurance deductible. Insurance companies will lower your rates if you increase your insurance deductible, but make sure you keep it at an amount you will be able to pay out-of-pocket.
• Keep a low annual mileage. Insurance companies often offer lower rates to drivers who drive less than 10,000 miles per year.
• Maintain a clean driving record. Having a driving record free of DUIs, traffic tickets, and at-fault accidents will keep your auto insurance rates low.

Shopping around for quotes or requesting auto insurance discounts will also be helpful in saving on Chrysler insurance. We recommend getting quotes anytime there is a major change in your policy information, such as a new car or a change of address, as this will ensure you continue to get the cheapest rates.

The Final Word on Chrysler Auto Insurance

Chrysler models that have more expensive purchase prices will cost more to insure, but there are plenty of options to lower your auto insurance rates. From bundling insurance policies to raising deductibles, most drivers can find cheap Chrysler auto insurance. Of course, one of the best ways to save on auto insurance is to shop around and compare rates.

If you want to jump right into looking for cheap auto insurance for your Chrysler, use our free quote comparison tool. It will compare rates from companies in your area to help you find the best rate possible.

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