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 insurance rates for a Chrysler Pacifica are $1,132 a year with full coverage. Comprehensive insurance costs on average $248, collision costs $358, and liability costs around $390. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing $2,432 or more. Teen drivers cost the most to insure at $4,262 a year or more.
Average premium for full coverage: $1,132
Policy rates by type of insurance:
Full coverage includes $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Pacifica models.
Price Range Variability
For the average 40-year-old driver, Chrysler Pacifica insurance rates go from the low end price of $438 for the bare minimum liability coverage to the much higher price of $2,432 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why everyone should compare prices based on a specific location, 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.
Additional Rate Information
The chart below details estimated Chrysler Pacifica insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $665
- Using higher $1,000 deductibles will save around $136 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,132
- Choosing pricier low deductibles for physical damage coverage will cost an additional $264 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,432 or more
- Policy cost that insures a 16-year-old driver for full coverage may cost $4,262 or more
Insurance rates for a Chrysler Pacifica also range considerably based on the model of your Pacifica, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,300 to $1,800 extra every year, depending on your age. Chrysler Pacifica insurance for high-risk drivers can be from 42% to 128% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age
Your home state has a huge impact on Chrysler Pacifica insurance prices. A driver around age 40 might see rates as low as $820 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,530 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$108 | -9.5% |
| Alaska | $868 | -$264 | -23.3% |
| Arizona | $940 | -$192 | -17.0% |
| Arkansas | $1,132 | -$0 | 0.0% |
| California | $1,292 | $160 | 14.1% |
| Colorado | $1,082 | -$50 | -4.4% |
| Connecticut | $1,164 | $32 | 2.8% |
| Delaware | $1,282 | $150 | 13.3% |
| Florida | $1,416 | $284 | 25.1% |
| Georgia | $1,050 | -$82 | -7.2% |
| Hawaii | $814 | -$318 | -28.1% |
| Idaho | $766 | -$366 | -32.3% |
| Illinois | $846 | -$286 | -25.3% |
| Indiana | $854 | -$278 | -24.6% |
| Iowa | $764 | -$368 | -32.5% |
| Kansas | $1,076 | -$56 | -4.9% |
| Kentucky | $1,548 | $416 | 36.7% |
| Louisiana | $1,676 | $544 | 48.1% |
| Maine | $702 | -$430 | -38.0% |
| Maryland | $936 | -$196 | -17.3% |
| Massachusetts | $902 | -$230 | -20.3% |
| Michigan | $1,966 | $834 | 73.7% |
| Minnesota | $950 | -$182 | -16.1% |
| Mississippi | $1,358 | $226 | 20.0% |
| Missouri | $1,006 | -$126 | -11.1% |
| Montana | $1,218 | $86 | 7.6% |
| Nebraska | $892 | -$240 | -21.2% |
| Nevada | $1,358 | $226 | 20.0% |
| New Hampshire | $818 | -$314 | -27.7% |
| New Jersey | $1,266 | $134 | 11.8% |
| New Mexico | $1,002 | -$130 | -11.5% |
| New York | $1,194 | $62 | 5.5% |
| North Carolina | $654 | -$478 | -42.2% |
| North Dakota | $930 | -$202 | -17.8% |
| Ohio | $782 | -$350 | -30.9% |
| Oklahoma | $1,164 | $32 | 2.8% |
| Oregon | $1,038 | -$94 | -8.3% |
| Pennsylvania | $1,080 | -$52 | -4.6% |
| Rhode Island | $1,512 | $380 | 33.6% |
| South Carolina | $1,028 | -$104 | -9.2% |
| South Dakota | $956 | -$176 | -15.5% |
| Tennessee | $992 | -$140 | -12.4% |
| Texas | $1,366 | $234 | 20.7% |
| Utah | $840 | -$292 | -25.8% |
| Vermont | $776 | -$356 | -31.4% |
| Virginia | $678 | -$454 | -40.1% |
| Washington | $874 | -$258 | -22.8% |
| West Virginia | $1,038 | -$94 | -8.3% |
| Wisconsin | $782 | -$350 | -30.9% |
| Wyoming | $1,010 | -$122 | -10.8% |
Choosing high deductibles could cut rates by as much as $400 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chrysler Pacifica | $320 | $506 | $338 | $1,300 |
| 2023 Chrysler Pacifica | $308 | $494 | $354 | $1,292 |
| 2022 Chrysler Pacifica | $298 | $474 | $364 | $1,272 |
| 2021 Chrysler Pacifica | $282 | $458 | $376 | $1,252 |
| 2020 Chrysler Pacifica | $270 | $424 | $384 | $1,214 |
| 2019 Chrysler Pacifica | $260 | $400 | $388 | $1,184 |
| 2018 Chrysler Pacifica | $248 | $358 | $390 | $1,132 |
| 2017 Chrysler Pacifica | $232 | $330 | $390 | $1,088 |
| 2007 Chrysler Pacifica | $148 | $160 | $380 | $824 |
| 2006 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 Find More Affordable Chrysler Pacifica Insurance
Finding cheaper rates on insurance for a Chrysler Pacifica requires not taking risks behind the wheel, having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.
The following is a summary of the data touched on in this article.
- Insureds who require higher liability limits will pay about $430 every year to increase from a 30/60 limit to the 250/500 level
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Teens pay the highest rates, as much as $355 each 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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,262 |
| 20 | $2,576 |
| 30 | $1,176 |
| 40 | $1,132 |
| 50 | $1,038 |
| 60 | $1,016 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,396 |
| $250 | $1,276 |
| $500 | $1,132 |
| $1,000 | $996 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,132 |
| 50/100 | $1,210 |
| 100/300 | $1,308 |
| 250/500 | $1,561 |
| 100 CSL | $1,249 |
| 300 CSL | $1,464 |
| 500 CSL | $1,620 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,062 |
| 20 | $4,100 |
| 30 | $2,480 |
| 40 | $2,432 |
| 50 | $2,320 |
| 60 | $2,296 |
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 | $60 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $48 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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