2019 Chrysler Pacifica Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 9, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a 2019 Chrysler Pacifica are $1,300 a year with full coverage. Comprehensive insurance costs an estimated $320 each year, collision insurance costs $506, and liability costs $338. Buying a liability-only policy costs as little as $394 a year, and high-risk insurance costs $2,790 or more. Teen drivers receive the highest rates at up to $4,702 a year.
Annual premium for full coverage: $1,300
Rate estimates for 2019 Chrysler Pacifica Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Chrysler Pacifica models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $394 for only liability insurance to a high rate of $2,790 for a driver who has had serious violations or accidents.
These differences demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Chrysler Pacifica Insurance
Trying to find the cheapest insurance coverage rates for your Chrysler Pacifica? Are you at wits end from being strong-armed to pay insurance coverage each month? Your situation is no different than the majority of other vehicle owners. There are many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, more options can take longer to compare company pricing.
It’s a good idea to compare prices yearly since insurance prices trend upward over time. If you had the best deal on Pacifica coverage last year the chances are good that you can find a lower premium rate today. You can find a lot of misleading information regarding insurance coverage on the internet, but by reading this article, you’re going to learn some good information on how to stop overpaying for insurance.
Buying car insurance is quite easy. If you have a current insurance coverage policy or are just looking to switch companies, you can use these tips to find the best rates and still get good coverage. Consumers just need to know the tricks to compare rates over the internet.
How to compare car insurance quotes
Comparing car insurance rates can be exhausting if you don’t understand the most efficient way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use the internet for quick rates.
Many companies take part in a program that enables customers to submit their information once, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.
To compare rates now enter your zip code here.
The one downside to comparing rates this way is that you can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in your area. Click to enter zip code.
The approach you take is up to you, just be sure you’re using nearly identical coverage information for each price quote. If your comparisons have different liability limits it will be very difficult to make a fair comparison for your Chrysler Pacifica.
Verify you’re getting every discount
Insurance can cost an arm and a leg, but you might be missing out on some discounts to cut the cost considerably. Most are applied at the time of purchase, but occassionally some discounts must be specially asked for before you get the savings.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Student in College – Kids who live away from home to go to college and do not have a car can be insured at a reduced rate.
- Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% on Pacifica coverage than less cautious drivers.
- No Claims – Insureds who avoid accidents and claims have much lower rates as compared to drivers who are more careless.
- Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Pacifica coverage with select insurance companies.
- Organization Discounts – Being a member of a professional or civic organization can get you a small discount when shopping for auto insurance.
- Driving Data Discount – Drivers who elect to allow companies to analyze their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they exhibit good driving behavior.
Please keep in mind that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.
Popular auto insurance companies and a partial list of their discounts are detailed below.
- State Farm has discounts for safe vehicle, defensive driving training, accident-free, anti-theft, good student, passive restraint, and good driver.
- Liberty Mutual policyholders can earn discounts including teen driver discount, safety features, new move discount, multi-car, newly retired, newly married, and new graduate.
- American Family may include discounts for air bags, TimeAway discount, Steer into Savings, defensive driver, good student, multi-vehicle, and early bird.
- Progressive offers discounts for online quote discount, continuous coverage, multi-policy, online signing, homeowner, multi-vehicle, and good student.
- Farmers Insurance has savings for early shopping, bundle discounts, homeowner, pay in full, and youthful driver.
- Auto-Owners Insurance may have discounts that include safe vehicle, company car, air bags, multiple vehicles, anti-theft, and paid in full.
- SAFECO includes discounts for teen safe driver, teen safety rewards, accident prevention training, anti-theft, and anti-lock brakes.
If you need inexpensive insurance coverage quotes, ask every insurance company to apply every possible discount. All car insurance discounts might not be offered on policies in your area. If you would like to choose from a list of companies that provide some of the discounts listed above, enter your zip code here.
When should I discuss my situation with an agent?
When choosing the best insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.
- What should my uninsured motorist coverage limits be in my state?
- Is rental equipment covered for theft or damage?
- Do I have coverage for damage caused while driving under the influence?
- How much can I save by bundling my policies?
- Do I really need UM/UIM coverage?
- Can I make deliveries for my home business?
- Do I need motorclub coverage?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out your zip code. It only takes a few minutes and can help protect your family.
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like theft, hitting a bird and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers things such as loss of income, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.
Medical expense coverage
Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, ambulance fees, funeral costs, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Collision coverage protection
This covers damage to your Pacifica from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as scraping a guard rail, crashing into a building, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.
Uninsured or underinsured coverage
This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2019 Chrysler Pacifica.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Quote more, save more
When shopping online for auto insurance, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped physical damage coverage only to find out they didn’t have enough coverage. Your goal is to buy the best coverage you can find for the lowest price and still be able to protect your assets.
Budget-friendly auto insurance can be found online and with local insurance agents, so get free insurance coverage quotes from both of them to have the best selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies prefer to sell through independent agents.
In this article, we covered a lot of techniques to lower your 2019 Chrysler Pacifica insurance prices. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.
More tips and info about auto insurance can be read by following these links:
Rates by U.S. City
|New York City, NY||$2,052|
|Los Angeles, CA||$2,223|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$96|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.