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 prices for a Chrysler Pacifica are $1,214 every 12 months including full coverage. Comprehensive costs around $270 a year, collision insurance costs $424, and liability costs $384. A liability-only policy costs as little as $432 a year, and high-risk insurance costs around $2,614. Teens cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,214

Policy rates for type of insurance:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Pacifica trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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

Rate Comparisons

The chart below breaks down average Chrysler Pacifica insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $705
• Drivers who choose higher $1,000 deductibles will pay about $1,058 every year
• The average price for a good driver age 40 using $500 deductibles is $1,214
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,518
• Higher-risk drivers with serious driving violations could pay at least $2,614
• Policy cost to insure a teen driver can be $4,516 a year

View Chart as Image

Car insurance rates for a Chrysler Pacifica also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $460 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Chrysler Pacifica insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,730 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Affordable Chrysler Pacifica Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every time your policy renews by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief review of the information touched on above.

• You may be able to save up to $150 per year just by quoting early and online
• Teens are the costliest to insure, with premiums being up to $376 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,400 more every year for Pacifica insurance
• Policyholders who may need higher liability limits will pay approximately $420 per year to go from a 30/60 limit to a 250/500 level

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.