Chrysler Pacifica Insurance Rates

If you ever wondered how much Chrysler Pacifica insurance cost, the average Chrysler Pacifica insurance rates are $1,332 a year for full coverage. There are several factors that determine individual Chrysler Pacifica car insurance rates, such as the age and location of the driver.

In order to help you on your way to securing a policy that meets your needs and budget, we have prepared this detailed article. You can even start comparing Chrysler Pacifica quotes right now by taking advantage of our free online tool.

The average insurance rates for a Chrysler Pacifica are $1,184 a year including full coverage. Comprehensive insurance costs approximately $260, collision costs $400, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing $2,542 or more. Teenage drivers cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,184

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Pacifica trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down estimated Chrysler Pacifica insurance rates for additional coverage and risk scenarios.

• The best discount rate is $690
• Choosing higher $1,000 deductibles can save $150 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,184
• Using more expensive low deductibles for comp and collision coverage will cost an extra $288 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,542 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,420 each year

View Chart as Image

Car insurance rates for a Chrysler Pacifica also range considerably based on your risk profile, the model of your Pacifica, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Chrysler Pacifica insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $440 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

How to Find Affordable Chrysler Pacifica Insurance

Finding cheaper rates on insurance for a Chrysler Pacifica takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Make time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief review of the car insurance concepts touched on in this article.

• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,360 more per year to buy Chrysler Pacifica insurance
• You may be able to save around $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $450 each year
• Insureds who purchase increased levels of liability coverage will pay an extra $430 per year to raise limits from a 30/60 limit to 250/500 limits

To this point, it’s clear that insurance companies consider a wide assortment of factors when quoting potential policyholders. You can start to discover Chrysler Pacifica car insurance rates right now by using our complimentary quote comparison tool below.

What are the Chrysler Pacifica safety ratings?

The safety ratings of the Chrysler Pacifica are important to know because positive scores translate to favorable insurance rates. 

Take a look at the Chrysler Pacifica’s safety ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These scores indicate that the Chrysler Pacifica received the highest mark possible in each category with the exception of the small overlap on the passenger’s side.

Chrysler Pacifica Compared Against Other Vehicles in the Same Class

Classified as a minivan, the Chrysler Pacifica has plenty of competition for its vehicle segment. Take a look at the following comparable models:

• Dodge Grand Caravan
• Honda Odyssey
• Toyota Sienna

When it comes down to the figures, the IIHS reports that the Chrysler Pacifica has a bodily injury loss percentage of -19 percent and a property damage loss percentage of -15 percent. These figures are considered above average for this vehicle class, and helps contribute to lower rates.

We have uncovered a lot of information about Chrysler Pacifica car insurance, so is there anything we might have missed? If not, start comparing Chrysler Pacifica insurance rates from multiple companies by using our free online quote tool.