Best Auto Insurance for Chryslers in 2025 (Top 10 Companies for Your Car!)
State Farm, Nationwide, and American Family have the best auto insurance for Chryslers. Chrysler insurance rates start at $120 per month with Nationwide, but you'll get the best quotes by comparing multiple companies. The top Chrysler car insurance companies reward safe drivers with discounts up to 20%.
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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: Aug 15, 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: Aug 15, 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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2,235 reviewsGet the best auto insurance for Chryslers from State Farm, Nationwide, and American Family for as low as $120 a month. This guide analyzes the top insurance companies specifically for Chrysler cars, comparing coverage options, rates, and discounts.
Our Top 10 Company Picks: Best Auto Insurance for Chryslers| Company | Rank | Safety Features | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A++ | Customer Service | State Farm |
 | #2 | 18% | A+ | Deductible Savings | Nationwide |
 | #3 | 18% | A | Teen Drivers | American Family |
 | #4 | 15% | A++ | Claims Service | Auto-Owners |
 | #5 | 15% | A++ | Insurance Discounts | Geico |
 | #6 | 15% | A | Great Add-Ons | Farmers |
 | #7 | 15% | A | Online Tools | Safeco |
 | #8 | 10% | A+ | Filing Claims | Erie |
 | #9 | 10% | A+ | Multiple Vehicles | Progressive |
 | #10 | 5% | 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
Enter your ZIP code to find the most affordable Chrysler insurance quote in your area.
Comparing Chrysler Insurance Quotes
How much does Chrysler insurance cost? The cost of insurance for your Chrysler range significantly based on the insurer, model, driver, and coverage. Insurance prices also vary by company as Nationwide and Erie offers the lowest full coverage car insurance rates.
Chrysler Auto Insurance Monthly Rates by Provider| 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 best car insurance companies for Chryslers may be on the more expensive side. Still, State Farm and American Family offer superior customer service, and Nationwide has sizable discounts to counter the high premiums.
Focus on finding a balance between affordable premiums and comprehensive coverage to ensure proper protection for your Chrysler.
Kristine Lee Licensed Insurance Agent
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 Driving Record| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $92 | $115 | $138 | $108 |
| $89 | $111 | $132 | $105 |
| $86 | $107 | $128 | $103 |
| $101 | $130 | $151 | $120 |
| $88 | $113 | $134 | $106 |
| $97 | $124 | $145 | $116 |
| $94 | $120 | $143 | $110 |
 | $99 | $126 | $148 | 117 |
| $95 | $123 | $144 | 112 |
| $91 | $116 | $137 | 107 |
State Farm is the cheapest Chrysler car insurance company for drivers with accidents or DUIs, followed by Geico. These varying cost to insure a Chrysler mark the importance of shopping around to compare quotes for your Chrysler.
Enter your zip code below to view companies that have cheap insurance rates.
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Factors That Affect Chrysler Car Insurance Costs
Chrysler car insurance rates are based on several factors, including the year and model of the vehicle. Examining Chrysler insurance rates by model reveals that premium rates vary significantly depending on the specific automobile.
For instance, the Chrysler 300 tends to have higher insurance rates, with full coverage averaging around $200 per month. Chrysler Pacifica insurance costs are lower, with full coverage typically costing around $192.
Chrysler Insurance Monthly Rates by Model| Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Chrysler 200 | $86 | $188 |
| Chrysler 300 | $92 | $200 |
| Chrysler Aspen | $95 | $205 |
| Chrysler Concorde | $89 | $194 |
| Chrysler Crossfire | $97 | $210 |
| Chrysler LeBaron | $84 | $182 |
| Chrysler Pacifica | $88 | $192 |
| Chrysler PT Cruiser | $87 | $185 |
| Chrysler Sebring | $85 | $183 |
| Chrysler Town & Country | $90 | $198 |
Our video below explains how minivans have more affordable rates, especially Chryslers, due to their high safety ratings.
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 |
Compare auto insurance companies to find the best car insurance for Chrysler vehicles. 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.
Essential Coverage Options for Chrysler Owners
Getting the best car insurance for Chryslers needs 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 gap coverage and accident forgiveness.
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.
Ways to Lower Your 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.
Top Auto Insurance Discounts for Chryslers| Company | Anti- Theft | Loyalty | Multi- Policy | New Car | Safe Driver |
|---|---|---|---|---|---|
| 25% | 18% | 25% | 15% | 18% |
| 12% | 10% | 16% | 12% | 8% |
| 15% | 10% | 25% | 12% | 15% |
| 10% | 12% | 20% | 12% | 20% |
 | 25% | 10% | 25% | 10% | 15% |
| 20% | 12% | 10% | 10% | 10% |
| 5% | 8% | 20% | 15% | 12% |
| 25% | 13% | 10% | 10% | 10% |
| 20% | 12% | 15% | 12% | 10% |
| 15% | 6% | 17% | 15% | 20% |
American Family and Geico offer bundling and anti-theft savings, whereas Farmers and State Farm have great safe driver discounts.
If you can’t afford your auto insurance, exploring these discount options could help reduce your costs. Other ways to lower Chrysler car insurance rates include:
- Maintaining a Clean Record: Safe drivers without claims or citations get the best Chrysler auto insurance quotes, and often earn other perks like vanishing deductibles and accident forgiveness.
- Taking a Defensive Driving Class: Younger drivers and seniors over 65 often qualify for Chrysler insurance discounts by taking an approved defensive driver course online.
- Driving a Cheaper Model: Older, less sporty models will have lower rates. For instance, the Chrysler 300 insurance cost is higher than the Pacifica’s.
- Comparing Multiple Quotes: Get Chrysler insurance quotes from at least three companies to get an idea of what other drivers are paying in your area.
By comparing multiple companies, you can get more accurate quotes to uncover which provider offers the best Chrysler auto insurance based on your model, driving record, and ZIP code.
Enter your zip code below to view companies that have cheap insurance rates.
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Top 10 Auto Insurance Companies for Chryslers
When shopping for the best auto insurance for Chryslers, State Farm stands out with unmatched customer service and a mobile app that offers instant claim payments. Compare the top Chrysler insurance companies to find the right provider for you.
#1 – State Farm: Top Pick Overall
Pros
- Exceptional Customer Service: Local agents provide personalized support to Chrysler drivers in all 50 states, with top ratings from J.D. Power satisfaction surveys.
- 24/7 Claims Assistance: Representatives answer claim questions about Chryslers at any time of day, personalized to specific vehicle needs.
- 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 – Nationwide: Best for Policy Customization
Pros
- Comprehensive Customization Options: Our Nationwide auto insurance review highlights how Chrysler vehicles receive specialized coverage tailored to specific model features.
- Cheapest Minimum Rates: The minimum liability coverage for Chryslers costs only $120 monthly, setting the benchmark for affordability.
- Vanishing Deductible Feature: The collision deductible for Chryslers decreases by $100 annually up to $500 with continued claim-free driving records.
Cons
- Minimal Security Device Credits: Nationwide’s meager 5% discount for anti-theft protection is the lowest among Chrysler auto insurance companies.
- Underwhelming Customer Loyalty Program: The 8% long-term customer discount falls below the 10% minimum offered by most competitors.
Enter your zip code below to view companies that have cheap insurance rates.
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#3 – American Family: Best for Teen Drivers
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
- Expensive Monthly Cost: The $380 monthly expense for full coverage positions American Family among the most expensive car insurance companies for Chrysler.
- Strict Driving Record Requirements: Having an accident history with your Chrysler increases rates more substantially compared to other providers.
#4 – 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.
#5 – 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.
Enter your zip code below to view companies that have cheap insurance rates.
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#6 – Farmers: Best for Great Add-Ons
Pros
- Add-On Protection Portfolio: Our guide to everything you need to know about Farmers reviews every possible coverage add-on for Chryslers without exclusion restrictions.
- Good Driver Incentives: Safe drivers receive a 20% discount on Chrysler insurance rates.
- Diminishing Deductible Program: Includes $50 off every six months for safe Chrysler drivers, up to a maximum of $500.
Cons
- Expensive Full Coverage: The substantial $390 monthly rate for Chrysler full coverage insurance represents the highest cost among top providers.
- Limited Security System Discounts: The 10% discount for equipped security features in Chryslers falls significantly behind leading competitors, which offer 20%-25% discounts.
#7 – Safeco: Best for Online Tools
Pros
- Industry-Leading Digital Platform: The award-winning mobile interface enables Chrysler owners to manage their policies entirely through comprehensive digital tools, eliminating the need for an agent.
- Affordable Minimum Protection: The basic liability coverage for Chryslers costs only $128 monthly, positioning Safeco among the cheapest car insurance providers.
- Generous Anti-Theft 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 the multi-policy discounts offered by 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.
#8 – Erie: Best for Filing Claims
Pros
- Exceptional Claims Processing: Erie excels in handling Chrysler insurance claims with fast resolution times and high customer satisfaction ratings for claim settlements.
- 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.
Enter your zip code below to view companies that have cheap insurance rates.
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#9 – Progressive: Best for Multiple Vehicles
Pros
- Consistent Multi-Vehicle Pricing: Progressive offers the same premiums for all Chryslers (Learn More: Everything You Need to Know About Progressive Insurance).
- 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.
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%.
#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, such as accident forgiveness and rideshare coverage, aren’t available through Kemper.
- Limited Multi-Policy Benefits: The limited 10% bundling discount when combining Chryslers with home insurance falls significantly below the market-leading 25% standard.
How to Pick the Best Company for Your Chrysler
When getting the best auto insurance for Chrysler, compare coverage options and customer service quality. State Farm, Nationwide, and American Family consistently rank high for service and policy options that competitors cannot match.
Evaluate discount opportunities like multi-policy bundling (saving up to 25%) and safe driver rewards to reduce Chrysler insurance costs as these are the best tips to pay less for car insurance.
Always get multiple quotes, as the cost to insure a Chrysler varies significantly between companies. Enter your ZIP code into our free quote tool to find the best Chrysler car insurance quote.
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.
What insurance coverage do I need for my Chrysler?
You’ll need state-required liability coverage at minimum. For comprehensive protection, add collision, comprehensive, gap insurance, rental reimbursement, and roadside assistance coverage options.
How much is insurance for a Chrysler 300?
Chrysler 300 insurance rates start at $92 monthly for minimum coverage and $200 a month for full coverage.
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.
