Chrysler Pacifica Insurance Rates
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UPDATED: Mar 30, 2024
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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 $1,214 a year including full coverage. Comprehensive costs on average $270, collision costs $424, and liability is estimated at $384. Buying just liability costs approximately $432 a year, with insurance for high-risk drivers costing around $2,614. Teen drivers cost the most to insure at $4,516 a year or more.
Average premium for full coverage: $1,214
Policy rates by type of insurance:
Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Pacifica trim levels.
Price Range Variability
For the average 40-year-old driver, Chrysler Pacifica insurance rates go from the low end price of $432 for a discount liability-only rate to a much higher rate of $2,614 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Chrysler Pacifica insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $705
- Choosing higher $1,000 deductibles can save around $156 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,214
- Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,518
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,614 or more
- Policy cost that insures a 16-year-old driver with full coverage may cost $4,516 each year
Insurance rates for a Chrysler Pacifica also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 129% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,500 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 $930 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,730 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,096 | -$118 | -9.7% |
| Alaska | $932 | -$282 | -23.2% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,246 | $32 | 2.6% |
| Delaware | $1,372 | $158 | 13.0% |
| Florida | $1,516 | $302 | 24.9% |
| Georgia | $1,122 | -$92 | -7.6% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $824 | -$390 | -32.1% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $916 | -$298 | -24.5% |
| Iowa | $818 | -$396 | -32.6% |
| Kansas | $1,152 | -$62 | -5.1% |
| Kentucky | $1,658 | $444 | 36.6% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $748 | -$466 | -38.4% |
| Maryland | $1,002 | -$212 | -17.5% |
| Massachusetts | $968 | -$246 | -20.3% |
| Michigan | $2,108 | $894 | 73.6% |
| Minnesota | $1,018 | -$196 | -16.1% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,076 | -$138 | -11.4% |
| Montana | $1,302 | $88 | 7.2% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,456 | $242 | 19.9% |
| New Hampshire | $874 | -$340 | -28.0% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,074 | -$140 | -11.5% |
| New York | $1,276 | $62 | 5.1% |
| North Carolina | $698 | -$516 | -42.5% |
| North Dakota | $996 | -$218 | -18.0% |
| Ohio | $834 | -$380 | -31.3% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,156 | -$58 | -4.8% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,102 | -$112 | -9.2% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,062 | -$152 | -12.5% |
| Texas | $1,464 | $250 | 20.6% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $828 | -$386 | -31.8% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $936 | -$278 | -22.9% |
| West Virginia | $1,114 | -$100 | -8.2% |
| Wisconsin | $840 | -$374 | -30.8% |
| Wyoming | $1,080 | -$134 | -11.0% |
Choosing high deductibles can save as much as $460 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chrysler Pacifica | $348 | $532 | $316 | $1,332 |
| 2023 Chrysler Pacifica | $332 | $512 | $332 | $1,312 |
| 2022 Chrysler Pacifica | $320 | $506 | $338 | $1,300 |
| 2021 Chrysler Pacifica | $308 | $494 | $354 | $1,292 |
| 2020 Chrysler Pacifica | $298 | $474 | $364 | $1,272 |
| 2019 Chrysler Pacifica | $282 | $458 | $376 | $1,252 |
| 2018 Chrysler Pacifica | $270 | $424 | $384 | $1,214 |
| 2017 Chrysler Pacifica | $260 | $400 | $388 | $1,184 |
| 2007 Chrysler Pacifica | $166 | $178 | $390 | $870 |
| 2006 Chrysler Pacifica | $162 | $168 | $384 | $850 |
| 2004 Chrysler Pacifica | $144 | $152 | $376 | $808 |
Rates are averaged for all Chrysler Pacifica models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Chrysler Pacifica Insurance
Finding cheaper rates on insurance for a Chrysler Pacifica takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Shop around at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The following is a summary of the primary concepts that were touched on in this article.
- You may be able to save as much as $150 per year simply by shopping early and online
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,400 more each year for Pacifica insurance
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Teens pay the highest rates, with premiums being up to $376 each month if full coverage is included
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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,516 |
| 20 | $2,770 |
| 30 | $1,264 |
| 40 | $1,214 |
| 50 | $1,110 |
| 60 | $1,088 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,518 |
| $250 | $1,378 |
| $500 | $1,214 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,291 |
| 100/300 | $1,387 |
| 250/500 | $1,636 |
| 100 CSL | $1,329 |
| 300 CSL | $1,540 |
| 500 CSL | $1,694 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,440 |
| 20 | $4,410 |
| 30 | $2,668 |
| 40 | $2,614 |
| 50 | $2,490 |
| 60 | $2,466 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $54 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $509 |
Discounts are estimated and may not be available from every company or in every state.
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