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 auto insurance rates for a Chrysler Pacifica are $1,214 annually including full coverage. Comprehensive costs an estimated $270 each year, collision costs $424, and liability insurance costs around $384. Liability-only insurance costs as low as $432 a year, with high-risk driver insurance costing around $2,614. Teens cost the most to insure at $4,516 a year or more.
Average premium for full coverage: $1,214
Policy rates broken down by type of insurance:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Pacifica models.
Price Range Variability
Using a middle-aged driver as an example, Chrysler Pacifica insurance rates go from as cheap as $432 for just liability insurance to a high rate of $2,614 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects insurance prices.
The examples above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.
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.
More Rate Details
The chart below breaks down estimated Chrysler Pacifica insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $705
- Using higher $1,000 deductibles will save approximately $156 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,214
- Selecting low deductibles for physical damage coverage will cost $1,518
- Drivers with serious driving violations could pay up to $2,614 or more
- Policy cost with full coverage for a teen driver can cost as much as $4,516 or more
Auto insurance rates for a Chrysler Pacifica also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Chrysler Pacifica insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,730 on average in Louisiana, New York, and Michigan.
| 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied between companies.
| 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 Buy the Cheapest Chrysler Pacifica Insurance
Finding cheaper rates on Chrysler Pacifica insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a recap of the ideas that were touched on in the above illustrations.
- Teens are the costliest to insure, with premiums being up to $376 each month if full coverage is included
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,400 more annually for Pacifica insurance
- Increasing comprehensive and collision deductibles could save up to $450 each year
- You may be able to save approximately $150 per year simply by quoting online in advance
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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