Best Auto Insurance for Chryslers in 2025 (Top 10 Companies for Your Car!)
State Farm, Auto-Owners, and Geico offer the best auto insurance for Chryslers, with rates starting at $120 a month. State Farm offers the lowest Chrysler insurance rates after a DUI, Auto-Owners has an exceptional claims settlement process, and Geico's 25% bundling discount offers significant savings.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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18,154 reviewsCompany Facts
Full Coverage for Chryslers
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
563 reviewsCompany Facts
Full Coverage for Chryslers
A.M. Best
Complaint Level
Pros & Cons
563 reviews
19,116 reviewsCompany Facts
Full Coverage for Chryslers
A.M. Best
Complaint Level
Pros & Cons
19,116 reviewsGet the best auto insurance for Chryslers from State Farm, Auto-Owners, and Geico for as low as $120 a month. Finding the perfect insurance coverage for your Chrysler doesn’t have to be complicated.
This guide examines the top insurers specifically for Chrysler vehicles, comparing rates, discounts, and coverage options.
Our Top 10 Company Picks: Best Auto Insurance for Chryslers| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Customer Service | State Farm |
 | #2 | 16% | A++ | Claims Service | Auto-Owners |
 | #3 | 25% | A++ | Insurance Discounts | Geico |
 | #4 | 25% | A+ | Affordable Rates | Erie |
 | #5 | 20% | A+ | Policy Customization | Nationwide |
 | #6 | 10% | A+ | Custom Rates | Progressive |
 | #7 | 25% | A | Teen Drivers | American Family |
 | #8 | 20% | A | Great Add-Ons | Farmers |
 | #9 | 15% | A | Online Tools | Safeco |
 | #10 | 10% | A++ | High-Risk Drivers | Kemper |
You’ll discover how to buy auto insurance that balances affordability with comprehensive protection, learn which companies excel in customer service versus competitive pricing, and understand the key factors affecting your premiums.
- State Farm leads with an A++ rating for Chrysler auto insurance
- DUI convictions can raise Chrysler insurance rates by up to 57%
- The Chrysler Pacifica costs more to insure than the Chrysler 300
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.
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#1 – State Farm: Best for Customer Service
Pros
- 24/7 Claims Assistance: Representatives answer claim questions about Chryslers any time of day with personalized attention to specific vehicle needs.
- Comprehensive Roadside Coverage: Owners of Chryslers receive unlimited towing distance and battery jump-start services without additional per-use fees.
- Award-Winning Mobile App: Our State Farm auto insurance review found that its app allows Chrysler owners to file claims and receive instant digital payments within hours.
Cons
- Higher Price Point: Full coverage monthly premiums for Chryslers reach $385, positioning State Farm among the costliest insurance providers available.
- Limited Multi-Policy Savings: The 17% bundling discount for Chrysler’s insurance policies falls significantly short of competitors offering up to 25%.
#2 – Auto-Owners: Best for Settling Claims
Pros
- Excellent Claims Settlement: The settlement process for Chrysler auto insurance claims ranks above the industry average, with minimal claim denials reported.
- Strong Financial Foundation: The A++ financial rating ensures claims for Chryslers will be paid even during widespread catastrophic claim events (Read More: Auto-Owners Car Insurance Review).
- Flexible Payment Structure: Drivers insuring Chryslers can choose between monthly, quarterly, or annual payment schedules without additional service fees.
Cons
- Underwhelming Safe Driver Incentives: The 8% accident-free insurance discount for Chryslers is nearly half what top competitors offer their customers.
- Limited Geographic Coverage: Insurance availability for Chryslers remains restricted to only 26 states.
#3 – Geico: Best for Insurance Discounts
Pros
- Industry-Leading Discounts: Everything you need to know about Geico includes premium reductions of over 40% for eligible Chrysler drivers through combined discount options.
- Military-Specific Benefits: Geico offers military insurance discounts for Chryslers, including deployment discounts and flexible coverage.
- Competitive Full Protection: The $360 monthly full coverage rate for Chryslers falls significantly below the $375 industry average for comparable vehicles.
Cons
- No Gap Insurance: Drivers with a new Chrysler will not find gap insurance to cover their auto loan with Geico.
- Rigid Violation Penalties: Chrysler insurance rates jump drastically for high-risk drivers, much higher than other companies on this list.
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#4 – Erie: Best for Affordable Rates
Pros
- Budget-Friendly Comprehensive Coverage: The monthly $345 premium for Chrysler full coverage insurance is cheaper than its closest competitors by at least $15 monthly.
- First Accident Forgiveness: Insurance rates for Chryslers remain unchanged after your first at-fault accident when enrolled in this forgiveness program.
- Locked-In Renewal Rates: Chrysler car insurance rates stay consistent for multiple years, regardless of minor claims or regional rate increases.
Cons
- Regional Service Limitations: The excellent rates for Chryslers remain unavailable in over 30 states due to Erie’s limited availability.
- Modest New Vehicle Incentives: The ultimate guide on the best time to buy a new car reveals that Erie’s 12% discount for newly purchased Chryslers is below the industry standard.
#5 – Nationwide: Best for Policy Customization
Pros
- Value-Leading Base Protection: The minimum liability coverage for Chryslers costs only $120 monthly, setting the benchmark for affordability industry-wide.
- Vanishing Deductible Feature: The collision deductible for Chryslers decreases by $100 annually up to $500 with continued claim-free driving records.
- Comprehensive Customization Options: Our Nationwide auto insurance review highlights how Chrysler vehicles receive specialized coverage tailored to specific model features.
Cons
- Minimal Security Device Credits: The meager 5% discount for anti-theft protection represents the lowest among the best Chrysler auto insurance companies.
- Underwhelming Customer Loyalty Program: The 8% long-term customer discount for Chrysler’s insurance falls below the 10% minimum offered by most competitors.
#6 – Progressive: Best for Custom Rates
Pros
- Custom Rate Configuration: The innovative Name-Your-Price tool helps Chrysler owners find coverage options matching their exact budget without sacrificing protection.
- Advanced Vehicle Security Rewards: Installing comprehensive security systems in Chryslers can reduce premiums by 25%, one of the highest discounts on our list.
- Consistent Multi-Vehicle Pricing: Progressive offers the same premiums for all Chryslers (Learn More: Everything You Need to Know About Progressive Insurance).
Cons
- Limited Policy Bundling Value: The modest 10% discount when combining Chryslers with home insurance policies falls well below competitive market offerings.
- Above-Average Minimum Coverage: Basic liability protection for Chryslers costs $145 monthly, exceeding budget-friendly alternatives by more than 20%.
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#7 – American Family: Best for Customer Satisfaction
Pros
- Teen Driver Safety Incentives: Car insurance discounts you can’t miss include savings for parents of teen Chrysler drivers who complete approved safety training programs.
- Superior Multi-Policy Savings: The generous 25% premium reduction applies when insuring Chryslers alongside home policies, matching the highest industry rate.
- Exceptional Claim Resolution: Recent surveys reveal that 92% of Chrysler owners report complete satisfaction with their claim handling and settlement amounts.
Cons
- Premium-Level Monthly Cost: The $380 monthly expense for full coverage positions American Family among the most expensive car insurance companies for Chrysler.
- Strict Driving Record Evaluation: Having an accident history with Chryslers increases rates more substantially compared to other insurance providers.
#8 – Farmers: Best for Great Add-Ons
Pros
- Comprehensive Protection Portfolio: Our guide to everything you need to know about Farmers reviews every possible coverage add-on for Chryslers without exclusion restrictions.
- Industry-Best Driver Incentives: Safe drivers earn 20% discounts on Chrysler insurance rates.
- Diminishing Deductible Program: Includes $50 off every six months for safeChrysler drivers, up to a maximum of $500.
Cons
- Market-Leading Premium Expense: The substantial $390 monthly rate for Chrysler full coverage insurance represents the highest cost among top providers.
- Substandard Security System Benefits: The 10% discount for equipped security features in Chryslers falls significantly behind leading competitors, which offer 20%-25%.
#9 – Safeco: Best for Online Tools
Pros
- Industry-Leading Digital Platform: The award-winning mobile interface allows Chrysler owners to manage policies entirely through comprehensive digital tools without an agent.
- Economical Entry-Level Protection: The basic liability coverage for Chryslers costs only $128 monthly, positioning Safeco among the cheapest car insurance providers.
- Generous Anti-Theft Protection Rewards: Installing approved security systems in Chryslers qualifies owners for a substantial 20% insurance discount.
Cons
- Average Multi-Policy Discount: The standard 15% bundling discount is smaller than multi-policy discounts from other Chrysler insurers.
- Limited Support Availability: Service representatives assisting with Chrysler insurance questions are only available during work hours, but the digital platform is available 24/7.
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#10 – Kemper: Best for High-Risk Coverage
Pros
- Nonstandard Underwriting: Provides affordable Chrysler auto insurance to drivers with accidents or DUIs who can’t find coverage (Read More: What to Do When You’re Denied Insurance Coverage).
- Mid-Range Premium Structure: The $365 monthly rate for full coverage is competitive among Chrysler auto insurance companies.
- Generous Security Feature Benefits: Advanced anti-theft systems installed in Chryslers qualify for a substantial 20% discount.
Cons
- Restricted Coverage Selection: Chrysler add-ons like accident forgiveness and rideshare coverage aren’t available through Kemper.
- Inadequate Multi-Policy Benefits: The limited 10% bundling discount when combining Chryslers with home insurance falls significantly below the market-leading 25% standard.
Comparing Chrysler Insurance Quotes
How much does Chrysler insurance cost? Insurance rates vary widely by provider, with Nationwide and Erie offering the lowest full coverage auto insurance quotes.
Chrysler Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $150 | $380 |
| $140 | $375 |
| $125 | $345 |
| $155 | $390 |
| $130 | $360 |
| $138 | $365 |
| $120 | $330 |
| $145 | $370 |
| $128 | $355 |
| $135 | $385 |
Our top three picks for best Chrysler auto insurance may be on the more expensive side. Still, State Farm and Auto-Owners offer superior customer service, and Geico has sizable discounts to counter the high premiums.
To get the best value, consider both price and benefits from the best car insurance companies to ensure you’re not overpaying while still receiving quality protection.
Focus on finding a balance between affordable premiums and comprehensive coverage to ensure proper protection for your Chrysler.
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Driving history is another crucial factor. Insurance rate quotes for Chrysler vehicles indicate that a clean driving record typically results in lower car insurance premiums.
Chrysler Auto Insurance Monthly Rates by Provider & Driving Record| Insurance Provider | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $202 | $218 | $245 | $275 |
| $212 | $228 | $255 | $282 |
| $195 | $215 | $240 | $268 |
| $205 | $220 | $245 | $275 |
 | $190 | $205 | $230 | $260 |
| $220 | $235 | $260 | $295 |
| $210 | $225 | $250 | $280 |
 | $192 | $210 | $235 | $265 |
| $200 | $215 | $240 | $270 |
| $185 | $200 | $225 | $255 |
State Farm is the cheapest Chrysler car insurance company for drivers with accidents or DUIs, followed by Geico. These varying Chrysler car insurance costs mark the importance of shopping around to compare quotes for your Chrysler.
Factors Affecting Chrysler Car Insurance Costs
Chrysler auto insurance costs are influenced by multiple factors related to the vehicle itself, such as model type and year. Chrysler insurance rates by model show that premium costs can vary significantly depending on the vehicle.
Chrysler Auto Insurance Monthly Rates vs. Similar Vehicles by Coverage Level| Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Chevrolet Traverse | $102 | $220 |
| Chrysler 300 | $92 | $200 |
| Chrysler Pacifica | $88 | $192 |
| Dodge Charger | $100 | $217 |
| Dodge Durango | $96 | $208 |
| Ford Edge | $92 | $200 |
| Ford Explorer | $104 | $225 |
For instance, the Chrysler 300 tends to have higher insurance rates, with full coverage averaging around $200 per month. In comparison, Chrysler Pacifica insurance costs are cheaper, with full coverage costing about $192. A policyholder shared their experience with Chrysler 300 insurance costs on Reddit, revealing key details about premiums and coverage in New Jersey.
Comment
byu/TheGreatWhoreOfChina from discussion
inChrysler300
The insurance cost per Chrysler model also fluctuates with vehicle age. Newer Chrysler models have higher rates at around $220 per month, while older models have lower rates at $175 per month.
Chrysler Auto Insurance Monthly Cost by Model Year| Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2025 | $94 | $219 |
| 2024 | $91 | $213 |
| 2023 | $88 | $207 |
| 2022 | $86 | $202 |
| 2021 | $84 | $198 |
| 2020 | $82 | $193 |
| 2019 | $79 | $188 |
| 2018 | $77 | $183 |
| 2017 | $75 | $178 |
| 2016 | $73 | $173 |
To find car insurance for Chrysler vehicles, it’s important to compare auto insurance companies. Each insurer offers different rates based on driving history, model year, and location, so it’s wise to explore multiple options to ensure the best value.
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Essential Coverage Options for Chrysler Owners
When selecting the best car insurance for Chryslers, consider key coverage options, such as accident forgiveness, gap insurance, rental reimbursement, rideshare coverage, and roadside assistance. Some companies, like Geico and Kemper, may lack certain features, including accident forgiveness or rental reimbursement.
Chrysler Auto Insurance Coverage Options| Insurance Company | Accident Forgiveness | Gap Insurance | Rental Reimbursement | Rideshare Coverage | Roadside Assistance |
|---|---|---|---|---|---|
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ❌ | ✅ | ✅ | ✅ | ✅ |
| ❌ | ✅ | ❌ | ❌ | ❌ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
These benefits ensure you’re well-protected in case of accidents, need a rental car, or face unexpected breakdowns. An auto insurance visual guide can help you compare coverage options to make informed decisions tailored to your Chrysler’s needs.
Top Tips for Saving on Chrysler Auto Insurance Premiums
Auto insurance discounts can significantly lower your Chrysler’s premium. Many companies offer discounts for installing anti-theft devices, bundling policies, loyalty, owning a new car, or maintaining a safe driving record.
Chrysler Auto Insurance Discounts From Top Providers| Insurance Company | Anti Theft | Bundling | Loyalty | New Car | Safe Driver |
|---|---|---|---|---|---|
| 25% | 25% | 18% | 15% | 18% |
| 12% | 16% | 10% | 12% | 8% |
| 15% | 25% | 10% | 12% | 15% |
| 10% | 20% | 12% | 12% | 20% |
| 25% | 25% | 10% | 10% | 15% |
| 20% | 10% | 12% | 10% | 10% |
| 5% | 20% | 8% | 15% | 12% |
| 25% | 10% | 13% | 10% | 10% |
| 20% | 15% | 12% | 12% | 10% |
| 15% | 17% | 6% | 15% | 20% |
For example, American Family and Geico provide generous savings for bundling and anti-theft features, while Farmers and State Farm offer strong, safe driver discounts.
If you can’t afford your auto insurance, exploring these discount options could help reduce your costs. Comparing discounts across providers allows you to find the best value for your Chrysler’s insurance.
Finding the Best Auto Insurance for Your Chrysler
When shopping for the best auto insurance for Chryslers, State Farm leads with unmatched customer service and a mobile app offering instant claim payments. Auto-Owners stands out with flexible payment options and superior claims settlements, while Geico delivers exceptional military benefits and industry-leading discount combinations.
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The best tips to pay less for car insurance include bundling policies (saving up to 25%), installing anti-theft devices, maintaining a clean driving record, and comparing quotes from multiple providers.
These top providers offer unique strengths that competitors simply cannot match. However, remember that the right insurance balances comprehensive coverage with affordable premiums tailored to your specific Chrysler model and driving habits. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Enter your zip code below to view companies that have cheap insurance rates.
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Frequently Asked Questions
Are Chryslers expensive to insure?
Chryslers are moderately priced to insure, with the Pacifica costing around $192 monthly and the 300 at $200 for full coverage. Rates are comparable to Ford models but typically lower than luxury brands.
How do you pay less for Chrysler car insurance?
Install anti-theft devices (up to 25% savings), bundle policies (up to 25% off), maintain a clean driving record, and compare quotes. Check out these hacks to Save More Money on Car Insurance for additional strategies.
Are Chryslers considered good cars?
Chryslers are reliable vehicles with good safety ratings and comfortable interiors. The Pacifica consistently ranks among the top minivans, while the 300 offers luxury features at a more accessible price point. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Do Chryslers hold their value?
Chryslers experience average depreciation compared to other mainstream brands. The Pacifica holds value better than the 300, with both models typically retaining about 45-50% of their value after five years.
What is a good monthly payment for Chrysler car insurance?
A good monthly payment ranges from $120-$145 for minimum coverage and $330-$360 for full coverage. Nationwide offers the most competitive rates at $330 monthly for comprehensive protection.
Does Chrysler car insurance go down after six months?
Chrysler insurance can decrease after 6 months of claim-free driving, especially with companies offering diminishing deductibles or safe driving programs.
Read More: Top 7 Ways You’re Wasting Money On Your Car
Is it expensive to maintain a Chrysler?
Chrysler maintenance costs are average compared to other American brands. Annual maintenance typically runs $550-$650, with the 300 model being slightly more expensive than the Pacifica for routine service. Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
What is the most expensive Chrysler car to insure?
The Chrysler 300, particularly higher-trim models with larger engines, is the most expensive Chrysler to insure at approximately $200 monthly for full coverage versus $192 for the Pacifica.
Who offers the best auto insurance coverage for Chrysler?
State Farm provides the best overall coverage for Chryslers with comprehensive roadside assistance, rental coverage, and accident forgiveness, though Erie and Nationwide offer better rates with comparable protection.
Read More: State Farm vs. Progressive Auto Insurance
What company has the cheapest auto insurance for Chrysler?
Nationwide offers the cheapest full coverage for Chryslers at $330 monthly and also leads with minimum coverage at just $120 monthly.
Enter your zip code below to view companies that have cheap insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.