Best Chrysler Sebring Car Insurance in 2025 (Check Out the Top 10 Companies)

The best Chrysler Sebring car insurance providers, AAA, Allstate, and Erie, offer competitive rates starting at $60 a month and reliable coverage.

AAA excels in customer service and comprehensive options, while Allstate and Erie provide tailored coverage. Gain deeper insights by exploring our ” Best Chrysler 300 Car Insurance.” 

Our Top 10 Company Picks: Best Chrysler Sebring Car Insurance

Each has been evaluated for customer satisfaction, financial strength, and coverage flexibility to ensure the best value. Find cheap car insurance quotes by entering your ZIP code.

#1 – AAA: Top Overall Pick

Pros

• Discounts for Bundling: Offers significant discounts when bundling Chrysler Sebring insurance with other policies.
• Roadside Assistance: AAA provides excellent roadside assistance, a valuable perk for Sebring owners. Gain deeper insights by perusing our article named “AAA Car Insurance Review.”
• Comprehensive Coverage Options: Includes a variety of coverage options tailored to Chrysler Sebring’s needs.

Cons

• Membership Requirement: Requires AAA membership to access insurance benefits, adding an extra cost.
• Higher Premiums: Tends to have higher premiums compared to competitors for Chrysler Sebring insurance.

#2 – Allstate: Best for Extensive Options

Pros

• Accident Forgiveness: Allstate’s accident forgiveness can help keep your Chrysler Sebring insurance rates stable after an accident.
• Safe Driving Discounts: Offers substantial discounts for safe driving, ideal for responsible Sebring owners.
• Strong Claims Satisfaction: Allstate is known for reliable claims handling, providing peace of mind. Dive into the details with our article entitled “Allstate Car Insurance Review.”

Cons

• Higher Rates: Allstate’s premiums can be higher for Chrysler Sebring drivers compared to other insurers.
• Limited Coverage Options: Fewer customization options for coverage compared to competitors.

#3 – Erie: Best for Budget-Friendly Rates with Personal Touch

Pros

• Affordable Rates: Erie often provides lower rates for Chrysler Sebring insurance, making it budget-friendly. Explore further in our article titled “Erie Car Insurance Review.”
• First Accident Forgiveness: Offers accident forgiveness for your first at-fault accident, keeping premiums in check.
• Customizable Policies: Provides customizable policies tailored to Chrysler Sebring owners’ specific needs.

Cons

• Availability: Erie is not available in all states, limiting access for some Chrysler Sebring drivers.
• Limited Online Tools: Lacks comprehensive online tools and mobile apps for managing policies.

#4 – Farmers: Best for Personalized Service

Pros

• Discounts for Safe Drivers: Farmers offer discounts for safe driving, benefiting Chrysler Sebring owners. Delve into the specifics in our article called “Farmers Car Insurance Review.”
• Flexible Coverage Options: Provides flexible coverage options that can be tailored to fit the needs of a Chrysler Sebring.
• Strong Customer Service: Known for strong customer service, making the insurance experience smoother.

Cons

• Higher Premiums: Farmers may charge higher premiums for Chrysler Sebring insurance compared to other insurers.
• Complex Discounts: Discount qualification can be complex, requiring more effort from Chrysler Sebring owners.

#5 – State Farm: Best for Top-Rated for Customer Satisfaction

Pros

• Nationwide Availability: State Farm offers Chrysler Sebring insurance across the entire U.S., providing widespread access.
• Safe Driving Discounts: Significant discounts for safe drivers, helping reduce Chrysler Sebring insurance costs. For a comprehensive understanding, consult our article titled “State Farm Car Insurance Review.”
• Strong Financial Stability: Backed by strong financial stability, ensuring reliable coverage. 

Cons

• Higher Rates for Some Drivers: State Farm may offer higher premiums for Chrysler Sebring owners with certain driving histories.
• Limited Coverage Customization: Offers fewer customization options compared to other insurers.

#6 – USAA: Best for Military Families

Pros

• Military-Focused Discounts: USAA offers excellent discounts for military members and their families, ideal for Chrysler Sebring owners with a military background.
• Top-Rated Customer Satisfaction: Consistently high customer satisfaction, providing peace of mind for Chrysler Sebring drivers.
• Low Premiums: USAA often provides low premiums for Chrysler Sebring insurance, making it a cost-effective option. Enhance your knowledge by reading our “USAA Car Insurance Review.”

Cons

• Membership Restriction: Only available to military members, veterans, and their families, limiting access.
• Limited Availability: Fewer local offices and agents available, potentially complicating in-person service.

#7 – Geico: Best for Affordable Insurance with Easy Access

Pros

• Competitive Rates: Geico is known for offering competitive rates on Chrysler Sebring insurance, making it an affordable choice.
• Easy Online Tools: Provides robust online tools and mobile apps, making policy management convenient for Sebring owners.
• Strong Financial Stability: Backed by strong financial stability, ensuring reliable coverage. Uncover more by delving into our article entitled “Geico Car Insurance Review.”

Cons

• Mediocre Customer Service: Geico’s customer service may not be as strong as some competitors, potentially leading to frustrations.
• Limited Coverage Customization: Offers fewer customization options compared to other insurers.

#8 – Nationwide: Best for Flexible Coverage Tailored to You

Pros

• Vanishing Deductible: Nationwide’s vanishing deductible can help reduce costs over time for Chrysler Sebring owners.
• On Your Side® Review: Offers an annual policy review to ensure you’re getting the best coverage for your Chrysler Sebring.
• Strong Financial Strength: Backed by strong financial stability, ensuring reliable coverage. Get a better grasp by checking out our article titled “Nationwide Car Insurance Discounts.”

Cons

• Higher Premiums: Nationwide may charge higher premiums for Chrysler Sebring insurance compared to other insurers.
• Mixed Customer Service Reviews: Customer service experiences can be inconsistent.

#9 – Liberty Mutual: Best for Customized Coverage for Your Needs

Pros

• Better Car Replacement: Liberty Mutual offers a better car replacement option, beneficial for Chrysler Sebring owners.
• Multi-Policy Discounts: Provides significant discounts when bundling Chrysler Sebring insurance with other policies. Expand your understanding with our article called “Liberty Mutual Car Insurance Discounts.”
• Comprehensive Coverage Options: Offers a wide range of coverage options tailored to Chrysler Sebring’s needs.

Cons

• Higher Premiums: Tends to have higher premiums for Chrysler Sebring insurance compared to competitors.
• Mixed Claims Experience: Some customers report mixed experiences with the claims process.

#10 – Progressive: Best for Discount-Driven Savings

Pros

• Snapshot® Program: Progressive’s Snapshot® program rewards safe Chrysler Sebring drivers with lower rates. For additional insights, refer to our “Progressive Car Insurance Review.”
• Affordable Rates: Offers competitive rates for Chrysler Sebring insurance, making it a budget-friendly option.
• Comprehensive Online Tools: Provides robust online tools and mobile apps, making policy management convenient.

Cons

• Rates May Vary: Premiums can vary significantly based on driving history and location, leading to potential rate increases for Chrysler Sebring owners.
• Customer Service: Progressive’s customer service may not be as strong as some competitors, leading to potential frustrations.

Chrysler Sebring Car Insurance Monthly Rates by Coverage Level & Provider

Chrysler Sebring Car Insurance Monthly Rates by Coverage Level & Provider

It’s essential to compare rates from top insurers to ensure you’re getting the best value and coverage for your Chrysler Sebring. Factors like your driving history, location, and coverage preferences also influence the final cost. Gain deeper understanding through our article entitled “Compare Chrysler Grand Voyager Car Insurance Rates.”

By taking advantage of these discounts, you can secure more affordable coverage without sacrificing quality. Comparing the available discounts from leading providers ensures you’re getting the most value for your insurance.

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.

Chrysler Sebring Insurance Cost

Additionally, understanding the specific discounts available from leading providers ensures you’re maximizing savings and getting the best deal for your needs. Find out more by reading our article titled “Chrysler Car Insurance.“

Understanding Chrysler Sebring Insurance: Key Factors Impacting Your Premiums

Age of the Vehicle

Driver Age

Driver Location

Your Driving Record

Chrysler Sebring Safety Ratings

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

• Inquire about Chrysler Sebring discounts if you were previously listed on someone else’s policy.
• Avoid assuming your Chrysler Sebring is cheaper to insure than other vehicles.
• Don’t automatically choose the cheapest Chrysler Sebring insurance policy.
• Consider paying your Chrysler Sebring insurance premium upfront.
• Relocate to an area with more favorable weather conditions.

Implementing these strategies can help you secure the most competitive rates for your Chrysler Sebring. Discover more by delving into our article entitled “Cheap Car Insurance for Minivans.”

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

Find out more by reading our “15 States with the Highest Vehicle Theft Rates.”

Theft Rates Impact Chrysler Sebring Insurance Costs

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.

Explore further details in our “Cheap 4×4 Pickup Truck Insurance.”

Claim Frequency on the Chrysler Sebring Affects 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.

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.

Dive deeper into our “What is the difference between car make vs. model?” for a comprehensive understanding.

Chrysler Sebring Finance and Insurance Cost

Bodily Injury Car Insurance Losses for Midsize Four-Door Sedans

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.

Access supplementary details in our “Cheap Car Insurance for High-Performance Vehicles.”

Property Damage Car Insurance Losses for Midsize Four-Door Sedans

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.

Midsize 4-Door Sedan (2008-2010) Property Damage Loss Percentages

In summary, property damage car insurance losses for midsize four-door sedans from 2008 to 2010 reveal significant differences in how these vehicles perform in accidents. By examining this data, drivers can better assess potential insurance costs and make informed choices when selecting a vehicle.

Obtain further insights from our “What cars will increase the cost of insurance?“

Collision Car Insurance Losses for Midsize Four-Door Sedans

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.

Midsize 4-Door Sedan (2008-2010) Collision Loss Percentages

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. Gain a deeper understanding through our “Car Insurance Tier System: Explained Simply.”

Comprehensive Car Insurance Losses for Midsize Four-Door Sedans

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.

Midsize 4-Door Sedan (2008-2010) Comprehensive Loss Percentages

With a loss percentage of -16 percent, the Chrysler Sebring has a loss percentage that is considered favorable for its class. Look at our “Cheap Car Insurance for Supercars” for expanded insights.

The Impact of Repair Costs on 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.

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.

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

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.

Dive into the details with our article entitled “Best Car Insurance for Sports Cars.”

Other Car Insurance Coverage Rates for the Chrysler Sebring

When you purchase a new car, it’s important to figure in the monthly cost of your insurance to see if you can 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
• Repairs

The Safety Comparison of the Chrysler Sebring to Other Vehicles in the Same Size and 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. 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 several 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. Delve into the specifics in our article called “Car Subscription Services: A Comprehensive Guide.”

The Effect of the Chrysler Sebring’s Safety Ratings on 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.

Midsize 4-Door Sedan (2008-2010) Med Pay Loss Percentages

At 46 percent, the Med Pay loss percentage for the Chrysler Sebring is above average for this size and class. Uncover more by delving into our article entitled “Best Car Insurance Companies That Don’t Report to the DMV.”

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 a 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. 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. Get a better grasp by checking out our article titled “Top 10 Most Popular Cars.”