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.

Average insurance rates for a Chrysler Pacifica are $1,184 a year for full coverage. Comprehensive costs an estimated $260 a year, collision costs $400, and liability insurance is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing around $2,542. 16-year-old drivers receive the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,184

Rate estimates broken down by individual coverage type:

Comprehensive $260
Collision $400
Liability $388

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Pacifica trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $434 for liability-only coverage to a high of $2,542 for a driver required to buy high-risk insurance.

Liability Only $434
Full Coverage $1,184
High Risk $2,542

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities.

The diagram below illustrates how where you live affects insurance prices.

Rural Areas $888
Small Cities $1,243
Large Cities $1,598

These examples show why it is important to get quotes for a targeted area, rather than relying on rate 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.

Additional Charts and Tables

The chart below shows estimated Chrysler Pacifica insurance rates for other coverage scenarios.

  • The best full coverage rate is $690
  • Choosing higher $1,000 deductibles can save approximately $1,034 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,184
  • Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,472
  • High-risk insureds with multiple tickets or accidents could pay up to $2,542 or more
  • The cost that insures a teen driver can cost as much as $4,420 each year

View Chart as Image

Chrysler Pacifica insurance cost comparison chart
Column chart showing full coverage Chrysler Pacifica insurance rates range from $690 to $4,420

Car insurance rates for a Chrysler Pacifica can also vary considerably based on the trim level of your Pacifica, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Chrysler Pacifica insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or at least $1,690 on average in New York, Louisiana, and Michigan.

Chrysler Pacifica Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,068 -$116 -9.8%
Alaska $906 -$278 -23.5%
Arizona $982 -$202 -17.1%
Arkansas $1,184 -$0 0.0%
California $1,348 $164 13.9%
Colorado $1,128 -$56 -4.7%
Connecticut $1,212 $28 2.4%
Delaware $1,336 $152 12.8%
Florida $1,476 $292 24.7%
Georgia $1,094 -$90 -7.6%
Hawaii $850 -$334 -28.2%
Idaho $800 -$384 -32.4%
Illinois $880 -$304 -25.7%
Indiana $892 -$292 -24.7%
Iowa $798 -$386 -32.6%
Kansas $1,122 -$62 -5.2%
Kentucky $1,612 $428 36.1%
Louisiana $1,750 $566 47.8%
Maine $728 -$456 -38.5%
Maryland $976 -$208 -17.6%
Massachusetts $944 -$240 -20.3%
Michigan $2,052 $868 73.3%
Minnesota $990 -$194 -16.4%
Mississippi $1,416 $232 19.6%
Missouri $1,048 -$136 -11.5%
Montana $1,270 $86 7.3%
Nebraska $930 -$254 -21.5%
Nevada $1,418 $234 19.8%
New Hampshire $854 -$330 -27.9%
New Jersey $1,320 $136 11.5%
New Mexico $1,044 -$140 -11.8%
New York $1,244 $60 5.1%
North Carolina $680 -$504 -42.6%
North Dakota $968 -$216 -18.2%
Ohio $816 -$368 -31.1%
Oklahoma $1,212 $28 2.4%
Oregon $1,082 -$102 -8.6%
Pennsylvania $1,128 -$56 -4.7%
Rhode Island $1,576 $392 33.1%
South Carolina $1,072 -$112 -9.5%
South Dakota $998 -$186 -15.7%
Tennessee $1,034 -$150 -12.7%
Texas $1,424 $240 20.3%
Utah $874 -$310 -26.2%
Vermont $808 -$376 -31.8%
Virginia $708 -$476 -40.2%
Washington $910 -$274 -23.1%
West Virginia $1,084 -$100 -8.4%
Wisconsin $816 -$368 -31.1%
Wyoming $1,052 -$132 -11.1%

View Chart as Image

Chrysler Pacifica insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $440 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different.

Chrysler Pacifica Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Chrysler Pacifica $332 $512 $332 $1,312
2023 Chrysler Pacifica $320 $506 $338 $1,300
2022 Chrysler Pacifica $308 $494 $354 $1,292
2021 Chrysler Pacifica $298 $474 $364 $1,272
2020 Chrysler Pacifica $282 $458 $376 $1,252
2019 Chrysler Pacifica $270 $424 $384 $1,214
2018 Chrysler Pacifica $260 $400 $388 $1,184
2017 Chrysler Pacifica $248 $358 $390 $1,132
2007 Chrysler Pacifica $162 $168 $384 $850
2006 Chrysler Pacifica $148 $160 $380 $824

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 Low Cost Chrysler Pacifica Insurance

Saving money on Chrysler Pacifica insurance takes being a low-risk driver, having a positive credit history, eliminating unneeded coverage, and not having any coverage lapses. Comparison shop at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the data touched on in the above illustrations.

  • Drivers who want more liability coverage will pay around $430 each year to raise limits from a minimum limit to the 250/500 level
  • Drivers can save approximately $140 per year simply by quoting early and online
  • Increasing deductibles can save approximately $450 each year
  • Teen drivers have the highest car insurance rates, costing as high as $368 per month if full coverage is purchased

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.

Rates by Driver Age

Chrysler Pacifica Insurance Rates by Driver Age
Driver Age Premium
16 $4,420
20 $2,696
30 $1,228
40 $1,184
50 $1,080
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Chrysler Pacifica Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,472
$250 $1,340
$500 $1,184
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Chrysler Pacifica Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,184
50/100 $1,262
100/300 $1,359
250/500 $1,611
100 CSL $1,300
300 CSL $1,514
500 CSL $1,669

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler Pacifica Insurance Rates for High Risk Drivers
Age Premium
16 $6,296
20 $4,292
30 $2,592
40 $2,542
50 $2,424
60 $2,402

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $83
5-yr Claim Free $76
Paid in Full/EFT $51
Advance Quote $57
Online Quote $84
Total Discounts $494
Rate after discounts $690

Discounts are estimated and may not be available from every company or in every state.

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