The Chrysler 200 is a five-passenger midsize sedan that offers a mix of practicality and comfort. However, the 200 was discontinued in 2017, after originally debuting only a few years earlier, in 2011. No matter which Chrysler 200 model year you drive, it needs to be protected with the right kind of car insurance.
If you're ready to shop for Chrysler 200 insurance, an independent insurance agent can help you find the best coverage. They'll get you matched to a policy that delivers quality protection at an affordable rate. But first, here's a breakdown of how much it costs to insure a Chrysler 200 by model year and top-rated insurance company in 2026.
Key Takeaways - Chrysler 200 Car Insurance
Chrysler 200 insurance costs an average of $1,974 per year, or approximately $165 per month, for full coverage in 2026.
The 2016 Chrysler 200 is more expensive to insure, on average, than other model years we compared, at an average of $2,539.50 annually.
Chryslers are, on average, cheaper to insure than many other car brands that offer luxury vehicles.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chrysler 200 model.
What Is Chrysler 200 Insurance?
Chrysler 200 insurance blends standard car insurance coverage with custom coverage tailored to your specific vehicle. As a standard sedan, the 200 requires many of the same types of protection as many other cars in its class. However, its average insurance rates are a bit expensive in comparison.
Recommended coverage options for Chrysler 200 drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Chrysler 200:
- Chrysler warranty insurance: This can extend Chrysler's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Chrysler vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chrysler parts during the repair process.
Most states require at least certain types of car insurance by law. Your local independent insurance agent can help you get set up with all the mandatory Chrysler 200 insurance for your area.
How Much Does Chrysler 200 Insurance Cost?
The cost of full coverage car insurance for a Chrysler 200 averages about $1,974 per year, or approximately $165 per month. However, several factors can influence the cost of Chrysler insurance, including:
- The specific type of 200 you drive
- Your claims history
- Your location
- Your driving history
- Your credit score (where allowed)
- The types and amount of coverage you need
An independent insurance agent can help you find affordable Chrysler 200 insurance near you.
Chrysler 200 Insurance Costs by Model Year
The average cost of car insurance in 2026 for a Chrysler 200 is about $1,974 per year. This breaks down to about $165 per month.
| Average cost to insure per month: | Average cost to insure per year: |
| $165 | $1,974 |
Next, we'll break down several different model years of the Chrysler 200 and the cost to insure each one by each top-rated carrier.
2017 Chrysler 200 Insurance
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,351 |
| Progressive | $1,450 |
| American Family | $2,542 |
| Nationwide | $2,579 |
| Erie | $2,983 |
| Allstate | $3,866 |
Average Annual Cost to Insure: $2,461.83
2016 Chrysler 200 Insurance
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,272 |
| Progressive | $1,456 |
| Nationwide | $2,534 |
| American Family | $2,609 |
| Erie | $2,991 |
| Allstate | $4,375 |
Average Annual Cost to Insure: $2,539.50
2015 Chrysler 200 Insurance
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,241 |
| American Family | $1,298 |
| Erie | $1,455 |
| Progressive | $1,476 |
| Allstate | $2,332 |
| Nationwide | $2,387 |
Average Annual Cost to Insure: $1,698.17
2014 Chrysler 200 Insurance
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,183 |
| Progressive | $1,300 |
| American Family | $1,702 |
| Nationwide | $2,158 |
| Erie | $2,162 |
| Allstate | $3,332 |
Average Annual Cost to Insure: $1,972.83
2013 Chrysler 200 Insurance
| Cheapest Insurance Companies | Average Annual Cost |
| USAA | $1,146 |
| Progressive | $1,295 |
| American Family | $1,483 |
| Erie | $1,544 |
| Nationwide | $2,188 |
| Allstate | $2,713 |
Average Annual Cost to Insure: $1,728.17
2012 Chrysler 200 Insurance
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,096 |
| Progressive | $1,251 |
| American Family | $1,274 |
| Erie | $1,590 |
| Nationwide | $2,146 |
| Allstate | $2,269 |
Average Annual Cost to Insure: $1,604.33
2011 Chrysler 200 Insurance
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,059 |
| American Family | $1,097 |
| Progressive | $1,174 |
| Erie | $1,245 |
| Nationwide | $1,757 |
| Allstate | $2,045 |
Average Annual Cost to Insure: $1,396.17
Best Chrysler 200 Insurance Discounts: How to Lower Your Chrysler 200 Insurance Premiums
Many car insurance carriers have several discount options for Chrysler 200 insurance. You can also potentially reduce the cost of your coverage even further by following any of these steps:
- Ask about Chrysler 200 insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Chrysler may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Chrysler 200 insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chrysler 200 insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest Chrysler 200 insurance in your area and recommend even more ways to possibly bring your premiums down.
An Independent Insurance Agent Can Help You Get the Best Chrysler 200 Insurance Quotes
Working together with a local independent insurance agent is a great way to save the most money possible on car insurance for your Chrysler 200. These agents shop and compare quotes from many different local car insurance carriers for you, then present you with only the results that offer the best blend of coverage and cost. Not only that, but down the line, they're available to help you file claims and update your coverage, too.
FAQs About Chrysler 200 Insurance
How much does Chrysler 200 insurance cost?
The average cost of Chrysler 200 insurance is $1,974 per year, or approximately $165 per month, for full coverage. Your policy's costs may vary based on the specific type of 200 you drive and other factors.
What factors affect Chrysler 200 insurance rates?
Your vehicle's model year, age, location, driving history, claims history, and other factors can all affect Chrysler 200 insurance costs.
Are Chryslers expensive to insure?
Not especially. Chrysler insurance tends to be more affordable than coverage for other brands that offer luxury vehicles. However, coverage for the Chrysler 200 is, on average, more expensive than insurance for other midsize sedans.
What are the best carriers for Chrysler insurance?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2017 Chrysler 200 insurance in 2026.
Sources
https://www.thezebra.com/auto-insurance/vehicles/chrysler/200/