Chrysler Auto Insurance (2023)

You must carry the required liability auto insurance for your Chrysler. So, to find affordable Chrysler auto insurance, it’s essential to compare rates. You also likely have many options in your area for Chrysler car insurance, so consider the company offering the coverage you need at a price that works with your budget.

Depending on the age of your Chrysler, you may want to purchase full coverage auto insurance for your vehicle rather than a minimum coverage or liability-only policy. Full coverage offers more protection behind the wheel. Still, if your Chrysler is several years old and paid off, you may get away with simply purchasing your state’s minimum coverage amount.

Regardless of the type of auto insurance you choose, finding and comparing Chrysler auto insurance quotes from various companies is important to avoid overpaying for coverage.

Chrysler Auto Insurance Rates

The average cost of Chrysler auto insurance is $139 each month. Still, many factors impact the cost of car insurance. For most car owners, the following factors can impact car insurance rates:

Chrysler Auto Insurance Rates by Age

You’ll pay more for Chrysler car insurance if you’re a teen or young adult driver since most insurance companies consider you a risk and charge you higher rates.

Teen drivers can save money on car insurance if they’re on a parent’s policy. In addition, companies often offer teens and young adults cheaper rates on their guardian’s car insurance policy. Some companies also offer discounts to help drivers save money on auto insurance for teens.

Chrysler Auto Insurance Rates by Gender

Most insurance companies charge higher rates if you’re a male. So, males who own Chrysler vehicles often pay more monthly for coverage than females with the same car. Read more about auto insurance for men vs. women.

If you’re a male, you may find that certain companies don’t base their car insurance rates on your gender. Also, once you hit your late 20s, your rates won’t vary much based on gender. 

Chrysler Auto Insurance Rates by Location

Believe it or not, where you live can significantly impact how much you’ll pay for car insurance coverage. So, comparing Chrysler auto insurance rates by ZIP code is essential.

If you own a Chrysler in a big city or highly trafficked area, you can expect to pay higher-than-average rates for car insurance coverage. However, if you live in a rural area with less traffic and less crime, your Chrysler auto insurance rates may be lower than average. 

Chrysler Auto Insurance Rates by Marital Status

Chrysler auto insurance quotes may also vary based on whether you’re married or single. For example, married couples are statistically less likely to file a car insurance claim. As a result, you may save money on your car insurance if you’re married, but you could pay more for coverage if you’re single. Learn more about auto insurance rates for married vs. single drivers.

Chrysler Auto Insurance Rates by Driving Record

Your driving history also affects your insurance costs. Your monthly Chrysler car insurance rates will be low if you have a clean driving record. Still, if you have blemishes like an at-fault accident or traffic tickets on your record, you could pay higher rates for auto insurance for high-risk drivers.

Chrysler Auto Insurance Rates by Credit Score

Your credit score impacts your auto insurance rates. If you have a poor credit score, car insurance companies believe you’re more likely to file a claim. So, they’ll often charge you higher insurance premiums.

As you can see, you may benefit from cheaper car insurance rates if you have good credit. However, some states don’t allow car insurance companies to consider a person’s credit score when determining car insurance rates. 

Chrysler Auto Insurance Rates by Coverage Type

The type of car insurance coverage you choose significantly impacts your coverage rates. If you choose lower levels of coverage — like a minimum coverage policy — you’ll pay cheaper rates. On the other hand, you’ll pay more for added protection if you choose a full coverage policy with add-on coverages. 

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Chrysler Auto Insurance Coverages

The type of car insurance coverage you purchase for your Chrysler depends on how old your vehicle is, whether you owe on a loan or lease, and how much your vehicle is worth based on its actual cash value (ACV). Standard coverage options you can purchase for your Chrysler include:

• Bodily injury liability auto insurance
• Property damage liability auto insurance
• Personal injury protection (PIP) auto insurance
• Medical payments (MedPay)
• Uninsured/underinsured motorist protection
• Collision auto insurance
• Comprehensive auto insurance

In addition to these standard options, many insurance companies offer add-on options like:

• Roadside assistance
• Rental car reimbursement
• Gap insurance
• New car replacement
• Rideshare insurance

If you have a newer Chrysler, consider a full coverage policy that combines your state’s mandatory coverage with collision and comprehensive insurance. Gap insurance and new car replacement could also be helpful if you have a new car with a loan or lease.

How to Get Cheap Chrysler Auto Insurance

You may be able to find cheap car insurance coverage for your Chrysler, but it depends on the factors mentioned above and the model of Chrysler you drive.

The best way to get cheap Chrysler rates is to shop online and compare quotes from different companies. Many older models will cost less to cover because their ACV is lower. Still, you can find and compare quotes from different insurance companies to determine which offers the coverage you want at a price that works with your budget. 

Ways to Save on Chrysler Auto Insurance

Some of the best ways to save money on your Chrysler include: 

• Bundling insurance policies
• Increasing your auto insurance deductible
• Keeping a clean driving record
• Considering a usage-based auto insurance program

If you bundle insurance policies with the same company, you’ll probably qualify for a discount on coverage. Bundling policies like homeowners and auto insurance could help you save as much as 25% on your insurance rates.

Increasing your car insurance deductible is another great way to save on car insurance. If your deductible is $500, ask your insurance company how much you could save in monthly rates if you increase it to $1,000. Remember that you don’t want to increase your deductible to an amount you can’t afford to pay out of pocket if you get in an accident.

Your driving record plays a significant role in Chrysler car insurance rates. If you keep your driving record clean, most companies will offer you more competitive car insurance rates. Work to stay accident-free and avoid things like traffic tickets.

Your annual mileage may be a large component of your car insurance rates. So if you drive fewer miles annually, your insurance company may reward you with lower rates. 

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Understanding More About Chrysler Auto Insurance

Chrysler auto insurance rates vary for many reasons. If you drive a Chrysler, you can shop online and compare quotes from several insurance companies to determine which offers you the coverage you want at a price that works for you.

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— AutoInsurance.org (@AutoInsurance) August 4, 2023

If your rates are high, consider increasing your deductible or searching for auto insurance discounts like bundling insurance policies. Then, as your driving record improves over time, you should get more affordable Chrysler auto insurance rates with different insurance companies in your area. 

 

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