Best Chrysler Sebring Car Insurance in 2024

 

Key takeaways:

• Full coverage costs around $1,174 a year or $98 each month
• A liability-only policy costs around $471 a year or $39 each month
• Highest rates are for teenage drivers at around $4,291 a year or $358 each month
• Good drivers can save as much as $484 a year by earning policy discounts
• Chrysler Sebring insurance costs around $345 less per year than the average vehicle

If you’re curious to know what it’s like to own one of Chrysler’s most celebrated models, the first question you have to ask yourself is, “How much would insurance cost for a Chrysler Sebring?” You don’t have time to do all the research or car insurance comparisons. We’re here to help.

This article will walk you through everything you need to know about this midsize car that comes in multiple body types to match your style.

This guide will walk you through the history of the Chrysler Sebring, the vehicle’s size and class, safety features, pricing, theft rates, repair costs, and other general insurance information.

You can start comparing quotes for Chrysler Sebring car insurance rates from some of the best car insurance companies by using our free online tool now.

Chrysler Sebring Insurance Cost

The average Chrysler Sebring car insurance rates are $1,174 a year or $98 a month.

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Are Chrysler Sebrings Expensive to Insure?

The chart below details how Chrysler Sebring insurance rates compare to other coupes like the Cadillac ATS Coupe, Mercedes-Benz CLA 250, and Infiniti Q60.

However, there are a few things you can do to find the cheapest Chrysler insurance rates online.

Read more: Compare Mercedes Car Insurance Rates

What Impacts the Cost of Chrysler Sebring Insurance?

Even though the average annual rate for the Chrysler Sebring is $1,174, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Chrysler Sebring.

Age of the Vehicle

The average Chrysler Sebring car insurance rates are higher for newer models. For example, car insurance for a 2010 Chrysler Sebring costs $1,174, while 2010 Chrysler Sebring insurance costs are $1,174, a difference of $.

Driver Age

Driver age can have a significant effect on the cost of Chrysler Sebring car insurance. For example, a 20-year-old driver could pay around $120 more each month for their Chrysler Sebring car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Chrysler Sebring insurance rates. For example, drivers in Jacksonville may pay $704 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Chrysler Sebring auto insurance. Teens and drivers in their 20’s see the highest jump in their Chrysler Sebring auto insurance rates with violations on their driving record.

Chrysler Sebring Safety Ratings

Your Chrysler Sebring car insurance rates are tied to the safety ratings of the Chrysler Sebring. See the breakdown below:

Test Type	Rating
Small overlap front: driver-side	N/R
Small overlap front: passenger-side	N/R
Moderate overlap front	G
Side	G
Roof strength	N/R
Head restraints and seats	G
Source: Insurance Institute for Highway Safety N/R- Not Rated

Car insurance companies rely on the safety ratings of vehicles to determine insurance rates. Models with positive safety marks from the IIHS generally come with better rates than those that test poorly.

Let’s take a look at the following table that provides crashworthiness scores for the Chrysler Sebring.

Beyond these results, the Chrysler Sebring also received an overall score of “good,” which is the highest score possible.

What are the safety features of the Chrysler Sebring?

The safety of your vehicle depends on which model you get and what safety features you purchase.

For the Chrysler Sebring, you’ll find that any Sebring made between 2001 and 2006 has a poorer safety rating for side-impact for any vehicles without the optional side air bags.

After 2006, side air bags became standard and the rating increased to “good.”

The Sebrings made from 2001 to 2006 also have a lower safety rating for front impact accidents than those vehicles made after 2006. However, the earlier models still have a rating of “acceptable” rather than the highest ranking, which is “good.”

Here are some other safety factors to consider:

• Seat type – What many people don’t know is that things even as minor as the type of seats you have in your vehicle can affect the safety rating. For example, did you know that the manually reclining seats in every model of the Chrysler Sebring receive a marginal safety rating because they are known to break apart in an auto accident?
• Number of doors – Two-door Sebrings get a much lower safety rating than four-door Sebrings. This is true even if they have some of the additional safety features available in the four-door models.
• Side impact ratings – While the Chrysler Sebring convertible has good safety ratings overall, its flaw lies in the potential for a side-impact crash. Simply put, a side-impact accident is inherently dangerous in any convertible car.
• Body parts – You’ll also find that safety ratings can be measured in the potential dangers to specific parts of your body. For example, the head/neck rating for the Chrysler Sebring is average, chest ratings are good, right leg/foot ratings are good and left leg/foot ratings are marginal.

The bottom line is that the Chrysler Sebring is a pretty safe vehicle to drive. As such, this will help in keeping your insurance rates at a more reasonable level.

There are also some discounts that you may be able to take advantage of, including those for installing anti-theft devices to your Sebring.

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Chrysler Sebring Finance and Insurance Cost

If you are financing a Chrysler Sebring, most lenders will require your carry higher Chrysler Sebring coverages including comprehensive coverage, so be sure to compare Chrysler Sebring car insurance rates from the best companies using our FREE tool below.

Ways to Save on Chrysler Sebring Insurance

There are several ways you can save even more on your Chrysler Sebring car insurance rates. Take a look at the following five tips:

• Ask About Chrysler Sebring Discounts If You Were Listed on Someone Else’s Policy
• Don’t Assume your Chrysler Sebring is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
• Don’t Always Pick the Cheapest Chrysler Sebring Insurance Policy
• Pay Your Chrysler Sebring Insurance Upfront
• Move to an Area with Better Weather

Top Chrysler Sebring Insurance Companies

Who is the best company for Chrysler Sebring insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chrysler Sebring insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chrysler Sebring offers.

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What are the theft rates of the Chrysler Sebring?

Automakers like Chrysler have come a long way when it comes to incorporating anti-theft technology with their newest vehicles. However, the last new Sebring model was made in 2010, and older models tend to be an easier target for car thieves.

The National Highway Traffic Safety Administration (NHTSA) reported that 250 out of 43,115 total Chrysler Sebring models were stolen for the 2006 model year.

That’s a rate of 5.79 for every 1,000 that were manufactured.

While that may seem high, the Chrysler Sebring has never made the National Insurance Crime Bureau’s list of most commonly stolen models.

How do the theft rates of the Chrysler Sebring affect comprehensive car insurance rates?

The theft rate of the Chrysler Sebring will be taken into consideration by insurance providers before they give you a quote. But another factor they will consider is your home address.

Insurance companies take your address into consideration because if you live in a low crime area, like the suburbs or a gated community, your car is less likely to be stolen. You’ll likely be issued a lower insurance rate as a result.

The opposite is true for high crime areas. For example, if you drive a 2006 Chrysler Sebring and live in an urban area that’s a hotbed for vehicle theft, you can expect to pay a higher comprehensive insurance rate.

If you’re unsure about the volume of vehicle theft in your community, you can review the U.S. Department of Justice’s motor vehicle theft report. Reading through this document will help you better understand how comprehensive insurance rates are determined based on where you live.

How does the frequency of claims filed on the Chrysler Sebring affect car insurance rates?

Car insurance rates are determined by a number of factors. One of these is how often claims are made on the type of vehicle you drive.

The Insurance Information Institute (III) has broken down how the frequency of claims filed on each vehicle class impacts car insurance rates.

As a midsize convertible or sedan, the Chrysler Sebring is part of the “passenger cars and minivans” category. Take a look at the following table to see the claim frequency and losses for this class as it compares to the average for all vehicle types.

Car Insurance Collision Coverage Claim and Loss – Passenger Cars and Mini Vans

The Chrysler Sebring has a claim frequency of 8.4 per 100 insured vehicle years. The average claim frequency for all vehicles is 7.3 for every year of insurance coverage. That means minimum liability rates are slightly higher than average for the Sebring.

How does the size & class of the Chrysler Sebring affect liability car insurance rates?

Experts from the Insurance Institute for Highway Safety (IIHS) classify the Chrysler Sebring as either a midsize two-door coupe or a midsize four-door sedan, based on the model you get.

The following list will give you an idea of what makes and models are similar to the Sebring. These cars are all classified as midsize four-door sedans by the IIHS. We’ll use this style of the Sebring when analyzing data throughout the piece.

Midsize Four-Door Cars (2008–2010)

When determining which group a vehicle should belong to, the IIHS records the total interior capacity, number of axles, and weight of the car.

Understanding these individual statistics helps the organization to accurately assess the safety of each car as it compares to similar models.

In case you’re unfamiliar, bodily injury liability insurance is an additional form of coverage that will protect you when you’re deemed at fault for an accident.

This type of car insurance will cover costs such as medical expenses and lost wages for the other party, alleviating the need for you to come up with out-of-pocket cash.

The following table shows the loss percentages for each model that belongs to the same class as the Chrysler Sebring. Knowing these figures will give you an understanding of how this car stacks up to similar cars from other brands.

Bodily Injury Car Insurance Losses for Midsize Four-Door Sedans (2008–2010)

Using 0 percent as the median, each model that shows a negative loss percentage is considered to be favorable for the driver. Cars that show a positive loss percentage have a bodily injury liability rate that is unfavorable for the driver.

The Chrysler Sebring has a bodily injury loss percentage of 51 percent, meaning that it is relatively worse than the average for this vehicle class.

However, the rates for the Sebring are still better than what you will get with a Dodge Avenger, which has a loss percentage of 59 percent.

Understanding these loss percentages is helpful, but your insurance policy will ultimately come down to an actual price.

Take a look at the following table, which shows quotes for a Chrysler Sebring with bodily injury liability coverage priced from low to high.

Average Bodily Injury Liability Car Insurance Rates – Chrysler Sebring

These generalized quotes suggest that your monthly insurance bill for a Chrysler Sebring will be $83.36 for the lowest form of coverage.

Getting the highest form of bodily injury liability insurance will cost $94.83 per month, but it also protects you for damages up to $100,000 as opposed to only $25,000.

Another form of coverage that will protect you when you are at fault is called property damage liability insurance.

This type of coverage will pay for any damages that were done to the opposing party’s property, including their car.

Just as we did with bodily injury liability, let’s take a look at the loss percentages for the Chrysler Sebring and the other vehicles in the same size and class.

Property Damage Car Insurance Losses for Midsize Four-Door Sedans (2008–2010)

With a property damage loss percentage of 16 percent, the Chrysler Sebring is considered to be average for this class. So if you plan to get this policy as part of your car insurance, you can expect that your rate will be fair.

Take a look at the following table that shows insurance rates for a Chrysler Sebring with property damage liability included on the policy. These figures are broken down from low to high coverage.

Average Property Damage Liability Car Insurance Rates – Chrysler Sebring

As you can see, the lowest form of property damage liability will cover you for up to $25,000 in damages. As an itemized cost, your property damage liability rate would be $173.52 spread over the course of six months.

If you elect to get the highest form of coverage, your Chrysler Sebring will be insured for up to $100,000 worth of damages.

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What is the MSRP of the Chrysler Sebring?

The acronym MSRP gets tossed around a lot in the auto industry. This stands for the Manufacturer’s Suggested Retail Price, and this figure helps both customers and dealerships get an idea of a car’s value.

Since 2010 was the last year that Chrysler manufactured the Sebring, there is no official MSRP listed for this model. But we can still reference Kelley Blue Book to review the typical listing price and fair market value of this car.

Take a look at the following table for an overview of the Chrysler Sebring’s value. These figures are broken down by model year and trim level.

Chrysler Sebring KBB Values (2007–2010)

Affordability is subjective, but with a typical listing price of $5,064, the 2010 Chrysler Sebring Touring is a great option for anybody who wants a dependable yet budget-friendly vehicle.

After reviewing the values for all of these Chrysler Sebring models, it’s safe to assume that insurance rates for the Chrysler Sebring will also be relatively affordable.

However, if you got involved in an accident that was your fault and your policy doesn’t cover the extent of the damages, you might be required to purchase force-placed insurance. This type of coverage only protects the lender of your auto loan, not you.

How does the MSRP of the Chrysler Sebring affect collision car insurance rates?

Another form of supplementary coverage is called collision car insurance. This type of coverage will pay for the costs associated with repairing your vehicle after you’ve collided with another car or object.

Most states do not require drivers to carry collision insurance, but it’s nice to have due to the unpredictable nature of driving. If you were to sign up for a policy with collision included, here are the average rates based on model year for the Chrysler Sebring.

Average Collision Car Insurance Rates for 2006–2010 Chrysler Sebring

These average collision rates scale down from most to least expensive based on the model year. The 2010 model has the highest rate at $346, while the 2006 model is only $248.

We can understand how affordable collision coverage is for the Chrysler Sebring by comparing loss percentages to similar models. The following table will list the loss percentages for each midsize car to give us the full picture.

Collision Car Insurance Losses for Midsize Four-Door Sedans (2008–2010)

At -7 percent, the collision loss percentage for the Chrysler Sebring is slightly better than the average. Comparatively, the Subaru Legacy has the best loss percentage in the class at -25 percent.

How does the MSRP of the Chrysler Sebring affect comprehensive car insurance rates?

There’s even more coverage you can get for your Chrysler Sebring even though you aren’t legally required to have it. It’s called comprehensive car insurance, and it protects you from any damage sustained to your vehicle that is outside of your control, such as theft, vandalism, natural disaster, or something like a tree branch falling on your car.

Let’s see how much you can expect to pay for comprehensive coverage on the Chrysler Sebring based on the model year.

Average Comprehensive Car Insurance Rates for 2006–2010 Chrysler Sebring

The rate is highest for the most recent model year of 2010, for which you can expect to pay $206 for comprehensive coverage. Driving the 2006 model makes comprehensive insurance that much more affordable at a rate of $170.

If you’re curious to know how these rates stack up against vehicles that are similar to the Chrysler Sebring, the following table shows a breakdown of the loss percentages for each car in this class.

Comprehensive Car Insurance Losses for Midsize Four-Door Sedans (2008–2010)

With a loss percentage of -16 percent, the Chrysler Sebring has a loss percentage that is considered favorable for its class.

How much will it cost to repair my Chrysler Sebring?

Cars are depreciating assets and it costs money to keep them running for a long time. If you keep up with regularly scheduled maintenance appointments, you’ll find that you can get a great value on the Chrysler Sebring.

The average annual cost to maintain a Chrysler Sebring is $526, which includes both major repair work and minor things like oil changes and tire rotations.

Some parts of the Sebring are more expensive to repair than others. Take a look at the following table that breaks down what you can expect to pay for each part of the car.

Chrysler Sebring Repair Costs

Be careful if you leave your car parked on a street with a lot of trees. If a major storm causes a branch to fall on top of your car, the roof is the most expensive part of the Sebring to repair, with an average bill of $525.

How does the cost of repairs affect collision and comprehensive car insurance rates?

By now, you should know that you must carry the minimum amount of car insurance that the law requires in order to legally drive your Chrysler Sebring. But sometimes the minimum is simply not enough, especially if you get involved in a major accident.

In these cases, it’s beneficial to have a policy with collision or comprehensive coverage (or both).

As we touched on earlier, collision will pay for the cost of repairs on your vehicle after it gets damaged from colliding with another vehicle or object. Comprehensive coverage provides even more protection by paying for damages to your vehicle that are outside of your control, such as an object falling onto your car.

Your insurance provider will be aware of how much repairs cost on your Chrysler Sebring. They will then foot the bill on any repairs as long as they’re covered under your policy. Rate increases will only happen at the discretion of your provider.

Other Car Insurance Coverage Rates for the Chrysler Sebring

When you purchase a new car, it’s important to figure in the annual cost of your insurance to see if you can actually afford the vehicle you’re planning to buy. This is called the cost of ownership.

When you determine the cost of ownership, you have to figure in:

• Your insurance rates
• Financing
• State property taxes
• Fuel costs
• Maintenance (such as oil changes)
• Repairs

The five-year average cost of ownership for a 2010 (last year of production) Chrysler Sebring is $32,200; this includes a five-year depreciation rate of $13,000, which many people fail to add to their cost factors.

This is about $2,200 over the cost of other vehicles in the same class. It’s vital to have a full picture of what you’ll be paying out of pocket each year when you buy your Chrysler Sebring.

In terms of your average monthly car insurance payment, you can expect to see a reduction in your insurance price as time progresses.

As your vehicle gets older, your insurance company will reduce your rates because the vehicle’s value is depreciating.

You might be interested to know that you could see a big dip in your insurance costs after your first year of ownership because the Chrysler Sebring depreciates $5,900 over the course of that first year. In the second year, the depreciation is $2,000, third year $1,700, and so on.

Of course, if you have a terrible driving record, have made several accident claims, have been arrested for drunk driving and so on, your rates won’t decrease.

In fact, you’d be more likely to see an increase in your insurance rate, or you could be dropped by your provider altogether.

You also have to consider the different types of Chrysler Sebrings as well. For example, a Chrysler Sebring convertible will be more expensive to insure than a standard Chrysler Sebring sedan.

The reason for this is that the safety ratings for the convertible are lower than those of a standard Chrysler, and the safer the vehicle, the less of a risk you pose to your insurance company.

How does the safety of the Chrysler Sebring compare to other vehicles with the same size & class?

The Chrysler Sebring scored very well in the safety tests administered by the IIHS, but if you’re thinking of buying one, you might be curious to know if other models in the same class are equally as safe.

We can determine this by taking a look at fatality rates for every vehicle listed as a midsize car.

Crash Fatality Statistics – Midsize Cars

What does this data tell us?

The fatality rate for drivers who own a midsize car is 41 per million registered vehicles. That is slightly higher than the average of 37 deaths per million for all registered vehicles.

Since the fatality rate for midsize cars is above average, we can reasonably conclude that there are a number of vehicles similar to the Sebring that aren’t as safe.

Take a look at this crash test video of a Sebring.

Though the Chrysler Sebring has positive crash test scores, that doesn’t mean the car is invincible. Certain parts of the car are more vulnerable than others.

The following table will show data for fatality rates based on where the initial point of impact occurred on this vehicle type.

Crash Occupant Deaths by Point of Impact – Small Minivan & Cars

These figures tell us that crashes with a frontal point of impact have the highest fatality rate for midsize cars at a figure of 57 percent.

However grim these statistics might be, the silver lining is that safety features have improved significantly over the past 10 years. Take a look at the following table to see fatality rates for the past decade.

Driver and Passenger Deaths (2009–2018)

Even though these figures tend to move up and down, the fatality rate for midsize cars has gone down a total of 25 percent since 2009.

How do safety ratings of the Chrysler Sebring affect Personal Injury Protection (PIP) car insurance rates?

Personal Injury Protection (PIP) coverage pays the minimum benefit amount for each person inside your vehicle who sustained an injury as a result of an accident.

The following table contains loss percentages for each model in the midsize four-door sedan class when it comes to PIP rates. Looking through this data will give us an idea of how affordable PIP rates are for the Chrysler Sebring compared to other similar vehicles.

PIP Car Insurance Losses for Midsize Four-Door Sedans (2008–2010)

With a loss percentage of 48 percent, PIP insurance rates for the Chrysler Sebring are considered to be higher than the average.

How do safety ratings of the Chrysler Sebring affect Med Pay car insurance rates?

Medical Payment (Med Pay) insurance is reserved for covering expenses like medical bills for you and any passengers in your vehicle that were incurred as a result of an accident.

The following table shows how the safety ratings of the Chrysler Sebring translate to Med Pay loss percentages in comparison to all other midsize cars.

Med Pay Car Insurance Losses for Midsize Four-Door Sedans (2008–2010)

At 46 percent, the Med Pay loss percentage for the Chrysler Sebring is above average for this size and class.

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History of the Chrysler Sebring

The Chrysler Sebring was manufactured from 1995-2010. As a midsize car, the Sebring was made available as both a two-door convertible and four-door sedan.

With two contrasting body styles, drivers are given the option to decide between the sporty look of the coupe or the more conservative look of the sedan.

The following walk-around video from Woody’s Automotive Group is going to explore the latter so you can see what the 2010 model has to offer.

https://youtu.be/JqIlLP5YAkg

Even though 2010 was the last model year for the Sebring, the car lives on in a new form. Today, the Chrysler 200 is a rebadged version of the Sebring. In short, that means that the 200 has the same platform and body shell as the Sebring.

The Chrysler Sebring reached the height of its popularity in the early 2000s when over 100,000 units were sold every year between 2001 and 2004.

Take a look at the following table that shows total sales figures from Car Sales Base, with a breakdown of Sebring sales in the United States for the duration of its production life.

Chrysler Sebring Sales Numbers (1996–2011)

These statistics tell us that the last two good years for the Chrysler Sebring were 2003 with 100,109 vehicles sold and 2004 with 104,094 vehicles sold. That was an increase of 3.98 percent from one year to the next, or 3,985 total models.

Compare Free Chrysler Sebring Insurance Quotes Online

You can start comparing quotes for Chrysler Sebring car insurance rates from some of the best car insurance companies by using our free online tool now.

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