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.
Average auto insurance rates for a Chrysler Pacifica are $1,184 annually with full coverage. Comprehensive insurance costs around $260, collision costs $400, and liability coverage costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing $2,542 or more. 16-year-old drivers receive the highest rates at $4,420 a year or more.
Average premium for full coverage: $1,184
Rate estimates for individual coverage type:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Pacifica trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $434 for just the minimum liability insurance to a much higher rate of $2,542 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.
The price range example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using rate 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 Analysis
The chart below details estimated Chrysler Pacifica insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $690
- Using higher $1,000 deductibles will save about $150 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,184
- Buying more expensive low deductibles for physical damage coverage costs an additional $288 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,542 or more
- The cost with full coverage for a teenage driver with full coverage can be $4,420 or more
Insurance rates for a Chrysler Pacifica can also vary considerably based on the trim level of your Pacifica, your driving record, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be around 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $440 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Chrysler Pacifica insurance rates. A driver around age 40 might see rates as low as $850 a year in states like New Hampshire, Ohio, and Utah, or at least $1,600 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$116 | -9.8% |
| Alaska | $906 | -$278 | -23.5% |
| Arizona | $982 | -$202 | -17.1% |
| Arkansas | $1,184 | -$0 | 0.0% |
| California | $1,348 | $164 | 13.9% |
| Colorado | $1,128 | -$56 | -4.7% |
| Connecticut | $1,212 | $28 | 2.4% |
| Delaware | $1,336 | $152 | 12.8% |
| Florida | $1,476 | $292 | 24.7% |
| Georgia | $1,094 | -$90 | -7.6% |
| Hawaii | $850 | -$334 | -28.2% |
| Idaho | $800 | -$384 | -32.4% |
| Illinois | $880 | -$304 | -25.7% |
| Indiana | $892 | -$292 | -24.7% |
| Iowa | $798 | -$386 | -32.6% |
| Kansas | $1,122 | -$62 | -5.2% |
| Kentucky | $1,612 | $428 | 36.1% |
| Louisiana | $1,750 | $566 | 47.8% |
| Maine | $728 | -$456 | -38.5% |
| Maryland | $976 | -$208 | -17.6% |
| Massachusetts | $944 | -$240 | -20.3% |
| Michigan | $2,052 | $868 | 73.3% |
| Minnesota | $990 | -$194 | -16.4% |
| Mississippi | $1,416 | $232 | 19.6% |
| Missouri | $1,048 | -$136 | -11.5% |
| Montana | $1,270 | $86 | 7.3% |
| Nebraska | $930 | -$254 | -21.5% |
| Nevada | $1,418 | $234 | 19.8% |
| New Hampshire | $854 | -$330 | -27.9% |
| New Jersey | $1,320 | $136 | 11.5% |
| New Mexico | $1,044 | -$140 | -11.8% |
| New York | $1,244 | $60 | 5.1% |
| North Carolina | $680 | -$504 | -42.6% |
| North Dakota | $968 | -$216 | -18.2% |
| Ohio | $816 | -$368 | -31.1% |
| Oklahoma | $1,212 | $28 | 2.4% |
| Oregon | $1,082 | -$102 | -8.6% |
| Pennsylvania | $1,128 | -$56 | -4.7% |
| Rhode Island | $1,576 | $392 | 33.1% |
| South Carolina | $1,072 | -$112 | -9.5% |
| South Dakota | $998 | -$186 | -15.7% |
| Tennessee | $1,034 | -$150 | -12.7% |
| Texas | $1,424 | $240 | 20.3% |
| Utah | $874 | -$310 | -26.2% |
| Vermont | $808 | -$376 | -31.8% |
| Virginia | $708 | -$476 | -40.2% |
| Washington | $910 | -$274 | -23.1% |
| West Virginia | $1,084 | -$100 | -8.4% |
| Wisconsin | $816 | -$368 | -31.1% |
| Wyoming | $1,052 | -$132 | -11.1% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chrysler Pacifica | $332 | $512 | $332 | $1,312 |
| 2023 Chrysler Pacifica | $320 | $506 | $338 | $1,300 |
| 2022 Chrysler Pacifica | $308 | $494 | $354 | $1,292 |
| 2021 Chrysler Pacifica | $298 | $474 | $364 | $1,272 |
| 2020 Chrysler Pacifica | $282 | $458 | $376 | $1,252 |
| 2019 Chrysler Pacifica | $270 | $424 | $384 | $1,214 |
| 2018 Chrysler Pacifica | $260 | $400 | $388 | $1,184 |
| 2017 Chrysler Pacifica | $248 | $358 | $390 | $1,132 |
| 2007 Chrysler Pacifica | $162 | $168 | $384 | $850 |
| 2006 Chrysler Pacifica | $148 | $160 | $380 | $824 |
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 Affordable Chrysler Pacifica Insurance
Saving money on auto insurance requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every year by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief review of the coverage data presented in the illustrations above.
- You may be able to save up to $140 per year simply by shopping early and online
- Increasing deductibles could save up to $450 each year
- Teen drivers pay higher rates, with premiums as much as $368 per month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions may pay on average $1,360 more every year to insure their Pacifica
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 | $4,420 |
| 20 | $2,696 |
| 30 | $1,228 |
| 40 | $1,184 |
| 50 | $1,080 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,472 |
| $250 | $1,340 |
| $500 | $1,184 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,184 |
| 50/100 | $1,262 |
| 100/300 | $1,359 |
| 250/500 | $1,611 |
| 100 CSL | $1,300 |
| 300 CSL | $1,514 |
| 500 CSL | $1,669 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,296 |
| 20 | $4,292 |
| 30 | $2,592 |
| 40 | $2,542 |
| 50 | $2,424 |
| 60 | $2,402 |
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 | $63 |
| Multi-vehicle | $62 |
| Homeowner | $18 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $494 |
Discounts are estimated and may not be available from every company or in every state.
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