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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: Jun 4, 2023

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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 $808 every 12 months including full coverage. Comprehensive insurance costs around $144 each year, collision insurance costs $152, and liability is $376. A policy with only liability insurance costs around $426 a year, and a high-risk policy costs $1,718 or more. Teens pay the most at up to $3,228 a year.

Average premium for full coverage: $808

Premium estimates for type of coverage:

Comprehensive $144
Collision $152
Liability $376

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Pacifica models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Chrysler Pacifica range from the cheapest price of $426 for liability-only coverage to a high rate of $1,718 for a high-risk insurance policy.

Liability Only $426
Full Coverage $808
High Risk $1,718

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $606
Small Cities $848
Large Cities $1,091

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based 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.

Additional Charts and Tables

The chart below breaks down average Chrysler Pacifica insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $500
  • Raising to $1,000 deductibles will save about $70 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $808
  • Selecting low deductibles costs an extra $126 annually
  • Drivers with serious driving violations could pay at least $1,718
  • An auto insurance policy to insure a 16-year-old driver can be $3,228

Car insurance prices for a Chrysler Pacifica also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $200 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $3,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $900 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 124% more than the average policy. 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 $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,150 on average in Michigan, New York, and Louisiana.

Chrysler Pacifica Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $730 -$78 -9.7%
Alaska $618 -$190 -23.5%
Arizona $668 -$140 -17.3%
Arkansas $808 -$0 0.0%
California $920 $112 13.9%
Colorado $770 -$38 -4.7%
Connecticut $828 $20 2.5%
Delaware $912 $104 12.9%
Florida $1,008 $200 24.8%
Georgia $746 -$62 -7.7%
Hawaii $580 -$228 -28.2%
Idaho $548 -$260 -32.2%
Illinois $600 -$208 -25.7%
Indiana $608 -$200 -24.8%
Iowa $542 -$266 -32.9%
Kansas $766 -$42 -5.2%
Kentucky $1,100 $292 36.1%
Louisiana $1,194 $386 47.8%
Maine $498 -$310 -38.4%
Maryland $666 -$142 -17.6%
Massachusetts $642 -$166 -20.5%
Michigan $1,402 $594 73.5%
Minnesota $676 -$132 -16.3%
Mississippi $966 $158 19.6%
Missouri $718 -$90 -11.1%
Montana $866 $58 7.2%
Nebraska $634 -$174 -21.5%
Nevada $966 $158 19.6%
New Hampshire $584 -$224 -27.7%
New Jersey $902 $94 11.6%
New Mexico $714 -$94 -11.6%
New York $848 $40 5.0%
North Carolina $464 -$344 -42.6%
North Dakota $662 -$146 -18.1%
Ohio $556 -$252 -31.2%
Oklahoma $828 $20 2.5%
Oregon $740 -$68 -8.4%
Pennsylvania $768 -$40 -5.0%
Rhode Island $1,078 $270 33.4%
South Carolina $732 -$76 -9.4%
South Dakota $680 -$128 -15.8%
Tennessee $708 -$100 -12.4%
Texas $972 $164 20.3%
Utah $596 -$212 -26.2%
Vermont $550 -$258 -31.9%
Virginia $484 -$324 -40.1%
Washington $622 -$186 -23.0%
West Virginia $740 -$68 -8.4%
Wisconsin $558 -$250 -30.9%
Wyoming $718 -$90 -11.1%
Chrysler Pacifica Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Affordable Chrysler Pacifica Insurance

Finding better rates on insurance for a Chrysler Pacifica consists of being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $910 more every year than a low-risk driver
  • You may be able to save up to $90 per year just by quoting online in advance
  • Increasing policy deductibles could save as much as $200 each year
  • Insureds who may need more liability protection will pay approximately $410 per year to raise from 30/60 bodily injury limits to a 250/500 level

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 $3,228
20 $1,824
30 $822
40 $808
50 $740
60 $726

Full coverage, $500 deductibles

Rates by Deductible

Chrysler Pacifica Insurance Rates with Different Deductibles
Deductible Premium
$100 $934
$250 $878
$500 $808
$1,000 $738

Full coverage, driver age 40

Rates by Liability Limit

Chrysler Pacifica Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $808
50/100 $883
100/300 $977
250/500 $1,222
100 CSL $921
300 CSL $1,128
500 CSL $1,278

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler Pacifica Insurance Rates for High Risk Drivers
Age Premium
16 $4,534
20 $2,896
30 $1,732
40 $1,718
50 $1,642
60 $1,622

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 $104

Potential Rate Discounts

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

Discount Savings
Multi-policy $40
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $49
Paid in Full/EFT $28
Advance Quote $34
Online Quote $54
Total Discounts $308
Rate after discounts $500

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

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