Chrysler Pacifica Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Estimated insurance prices for a Chrysler Pacifica are $1,214 every 12 months with full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $424, and liability is $384. Liability-only insurance costs around $432 a year, with high-risk driver insurance costing $2,614 or more. Teen drivers pay the most at $4,516 a year or more.

Average premium for full coverage: $1,214

Premium estimates by type of coverage:

Comprehensive $270
Collision $424
Liability $384

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Pacifica trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Chrysler Pacifica go from the cheapest price of $432 for basic liability insurance to a high of $2,614 for a driver required to buy high-risk insurance.

Liability Only $432
Full Coverage $1,214
High Risk $2,614

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $911
Small Cities $1,275
Large Cities $1,639

These rate differences demonstrate why it is important to compare rates quotes using their specific location and their own driving history, 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.

Rate Comparisons

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

  • The lowest rate with discounts is $705
  • Raising to $1,000 deductibles will save $1,058 annually
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,214
  • Choosing low $100 deductibles costs an extra $304 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,614 or more
  • An auto insurance policy to insure a 16-year-old driver can cost $4,516

View Chart as Image

Chrysler Pacifica insurance cost comparison chart
Column chart showing full coverage Chrysler Pacifica insurance prices range from $705 to $4,516

Insurance prices for a Chrysler Pacifica also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Pacifica.

Choosing high deductibles can reduce prices by up to $460 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Chrysler Pacifica insurance prices. A middle-age driver might find prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,640 on average in New York, Michigan, and Florida.

Chrysler Pacifica Insurance Rates by State
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%

View Chart as Image

Chrysler Pacifica insurance rates by U.S. city

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and prices will be substantially different.

Chrysler Pacifica Insurance Rates by Model Year
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 Shop for Cheaper Chrysler Pacifica Insurance

Finding better rates on insurance for a Chrysler Pacifica consists of being a good driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The following list is a condensed summary of the data touched on in this article.

  • Insureds who purchase an increased level of liability coverage will pay about $420 every year to raise from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save around $150 per year simply by quoting early and online
  • Increasing policy deductibles could save as much as $450 each year
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $376 per 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.

Rates by Driver Age

Chrysler Pacifica Insurance 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

Chrysler Pacifica Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,518
$250 $1,378
$500 $1,214
$1,000 $1,058

Full coverage, driver age 40

Rates by Liability Limit

Chrysler Pacifica Insurance Rates with Different Liability Limits
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

Chrysler Pacifica Insurance 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.

SR-22 Surcharge $166

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
Rate after discounts $705

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

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