Chrysler Auto Insurance vs Honda Auto Insurance

Chrysler and Honda auto insurance policies both cost $115/mo on average, but rates vary widely based on many factors, including your driving record and credit history.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 3, 2021

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Things to Remember...

  • There are too many variables to say whether Hondas or Chryslers are less expensive to insure
  • The make and model of the vehicle help determine your insurance premiums
  • Many personal factors affect your insurance rates

When you go to get car insurance, what is the first question you are likely to be asked? In most cases, it will be, “What kind of car are you driving?”

The type of car you drive can have a huge effect on what your insurance premiums will be. Hondas and Chryslers are two types of cars that are very different and have different insurance costs and considerations.

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If you were comparing insurance between a Chrysler and a Honda, there are a number of factors that separate those two vehicles in terms of insurance cost.

Chryslers are more expensive vehicles, which can drive up the cost of insurance, but Hondas can have parts that are more expensive.

Hondas tend to be safer, but they also have a greater likelihood of being stolen. All of these factors and more affect the final insurance cost for either brand of vehicle.

Auto Insurance for Chrysler Cars

According to, Chrysler offers three different types of cars for 2013, the 200, the 300, and the 300c.

The 200 is offered as a sedan or a convertible and it’s priced in the range of $20,000 to $32,000 depending on body style and options. It tends to rank a little below average for mid-size cars in safety features, which leads to slightly higher insurance rates.

The Chrysler 300 is another sedan, but a larger one. This model is available in rear wheel or all wheel drive. It’s a bit more expensive than the 200, going as high as $35,000 in price. rates its safety features as slightly above average for midsize cars. These safety features include:

  • Antilock brakes
  • Front and side curtain airbags
  • Daytime running lights

The Chrysler 300c is the luxury version of the 300 and it as the price tag to prove it, going for $35,000 to $40,000. It is also available as a rear wheel or all wheel drive sedan. Because safety standards are usually higher

Because safety standards are usually higher for luxury cars, the 300c is considered a little worse than its peers in terms of safety. Both the 300 and the 300c models do not have comparable rivals in the Honda family, as their cars tend to be smaller.

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Auto Insurance for Honda Cars

Honda has quite a collection of cars available, including the classics like the Accord and the Civic as well as relatively new models like the Crosstour and Insight. The prices on these vehicles range from $15,000 for the economical Civic to $34,000 for the SUV-like Crosstour.

They come in many different variations, from manual to automatic transmission, with various engine sizes and even hybrid engines.

In general, Honda cars have average safety ratings for their respective classes. 

Interestingly, according to data on, the curb weight for Honda cars averages more than 800 pounds less than the weight of the nearest comparable Chrysler car.

This difference in weight means that Hondas are likely to cause less damage than a Chrysler car in an accident, but their passengers may not be as well protected. These factors should affect car insurance cost in opposite ways.

In terms of cars directly comparable, Honda’s Accord is in the same class as the Chrysler 200.

As a direct comparison, the Honda is a clear winner, rated higher in the following areas:

  • performance
  • reliability
  • safety

On top of all this, the Accord is about $6,000 cheaper than the 200.

Auto Insurance for Chrysler and Honda Minivans

The Chrysler Town and Country is now Chrysler’s only vehicle larger than a car. It is technically a minivan, but it has some traits of a larger SUV or a luxury car.

It is a big vehicle with seating for seven and a curb weight of 4,652 pounds. It carries a hefty price tag for a minivan, too, with a starting MSRP of around $30,000.

The Town and Country has all the expected safety features, such as:

  • anti-lock brakes
  • traction control
  • stability control
  • front and side-curtain airbags

It is also very solidly built, which helps to give it above average safety rating for its class. There is an optional anti-theft system, too, which can help keep down the cost of comprehensive insurance.

The Town and Country compares directly with Honda’s Odyssey minivan. Much like the cars, the Honda minivans have the edge in several categories of head-to-head comparison.

They are about $1,000 cheaper and feature a roomier interior, more reliability, and better performance. The Odyssey has all the same safety features as the Town and Country, and it has assisted braking and daytime running lights, which makes it a slightly safer vehicle.

Auto Insurance for Honda SUVs

Honda has two SUVs that could be roughly compared to the Town and Country, especially since these days the line between an SUV and a minivan has become rather blurry.

The Honda Pilot compares particularly well to a minivan because of its large eight-person seating capacity. The Honda CRV is a bit smaller, only seating five.

The Honda Pilot is about $1,000 cheaper than the Chrysler Town and Country and has many of the same features, such as a big V-6 engine that gets decent 18 MPG gas mileage in the city, cruise control, and front bucket seats.

The Town and Country has more cargo space, but the Pilot seats one extra passenger. The safety devices are standard, with ABS brakes, traction control, airbags, and stability control.

The Honda CRV has many of the same features as the Pilot, but it is smaller and has a few extra perks. It features a standard rearview camera, auto-off headlights, and steering wheel controls for the sound system.

It gets much better gas mileage than the Pilot or the Chrysler Town and Country, expecting to get 23 MPG in the city and 31 MPG on the highway.

It is also much cheaper than the other two, going for just over $22,000, which is $6,000 less than the pilot and $7,000 less than the Town and Country.

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Car Theft and Auto Insurance Rates

Theft has a direct impact on comprehensive insurance. Since comprehensive covers the cost of a vehicle lost or damaged in a theft, auto insurance companies have a vested interest in knowing how likely a vehicle is to be stolen.

For that reason, anti-theft devices, like those offered on some Chrysler and Honda vehicles can help lower comprehensive coverage costs.

According to an article in Forbes, two of the top three most stolen vehicles in 2010 were Hondas, while no Chryslers made the top ten list.

This is partly because Hondas are more popular. More cars on the road mean more opportunity to steal them. That popularity is part of what makes them attractive targets for theft because they are harder to track and more profitable to strip for parts.

With that in mind, Honda owners will likely be charged a few extra theft dollars on their comprehensive insurance policies.

Other Factors That Affect Auto Insurance Rates

Some factors are unrelated to the type of car you drive that help to determine insurance cost.

An article on suggests that at the age of 21 or after five years of driving, you can expect to see your insurance rates drop. At this time, there is no definitive data to suggest whether Honda drivers or Chrysler drivers are more likely to be under 21.

Your geographic area will affect your car insurance bill. Drivers in more dangerous areas like big cities, mountainous regions, deserts, and such tend to pay more for insurance than other drivers.

Where you park also affects the premium, and you will likely pay a little less if you park your Honda or Chrysler safely inside a garage at night.

You have some direct control over your insurance premium in the form of a deductible.

If you set your comprehensive and collision deductibles about $300 higher, you could save over 15 percent on coverage, according to an article on A.M.

Insurance Comparison

When comparing the insurance cost of Chrysler cars to Honda cars, the only two models really close enough for a fair comparison are the Chrysler 200 and Honda Accord. The Chrysler is a bit cheaper to insure at $1,168 per year versus $1,216 for the Accord.

This seems a little strange since the Chrysler is a more expensive and heavier vehicle with slightly fewer safety features, but bear in mind that Honda is a foreign car brand, which makes parts more expensive, and Honda Accords get stolen more frequently.

The Chrysler Town and Country compares directly with the Honda Odyssey minivan, but it’s also fairly similar to the Honda Pilot SUV. So it makes sense to compare insurance costs on those three models.

The Town and Country has an annual average cost to insure starting at around $1,027, which puts it lower than the Honda Odyssey’s $1,118 cost and the Honda Pilot’s $1,284 per year cost to insure.

No matter what car you drive you can get the best auto insurance quotes by typing your ZIP code into the FREE search box now!

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