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 $1,132 every 12 months including full coverage. Comprehensive insurance costs approximately $248, collision insurance costs $358, and liability insurance is $390. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $2,432 or more. Teenage drivers cost the most to insure at up to $4,262 a year.

Average premium for full coverage: $1,132

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured 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

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $665
• Raising to $1,000 deductibles will save $136 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,132
• Using more expensive low deductibles costs an extra $264 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,432
• Policy cost to insure a teen driver with full coverage can cost $4,262

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Auto insurance rates for a Chrysler Pacifica also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Pacifica.

Using high physical damage deductibles can reduce rates by up to $400 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,200 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 anywhere from $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Chrysler Pacifica insurance rates. A middle-age driver might find rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,620 on average in Louisiana, New York, and Michigan.

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How to Shop for More Affordable Chrysler Pacifica Insurance

Finding cheaper rates on Chrysler Pacifica insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Spend time shopping around every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a summary of the coverage data touched on above.

• You may be able to save around $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $355 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,300 more per year to insure their Pacifica

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.