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.

Estimated insurance rates for a Chrysler Pacifica are $1,184 a year for full coverage insurance. Comprehensive insurance costs on average $260, collision costs $400, and liability costs around $388. Liability-only insurance costs as low as $434 a year, with high-risk driver insurance costing $2,542 or more. Teenage drivers pay the most at $4,420 a year or more.

Average premium for full coverage: $1,184

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Pacifica trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Chrysler Pacifica insurance rates for different risk profiles and scenarios.

• The best discount rate is $690
• Using higher $1,000 deductibles will save around $150 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,184
• Using more expensive low deductibles for physical damage coverage will cost an additional $288 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,542 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $4,420 or more

View Chart as Image

Insurance prices for a Chrysler Pacifica also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Chrysler Pacifica insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $440 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

How to Find More Affordable Chrysler Pacifica Insurance

Finding better rates on car insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the information covered in the charts and tables above.

• It is possible to save as much as $140 per year simply by shopping early and online
• Drivers age 16 to 20 pay higher prices, with premiums being up to $368 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $450 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,360 more each year than a safer driver
• Policyholders who require an increased level of liability coverage will pay an extra $430 annually to increase from 30/60 bodily injury limits to the 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.

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.