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 prices for a Chrysler Pacifica are $1,132 every 12 months for full coverage insurance. Comprehensive costs an estimated $248, collision costs $358, and liability insurance is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing around $2,432. Teen drivers pay the most at $4,262 a year or more.

Average premium for full coverage: $1,132

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical 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

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Chrysler Pacifica insurance rates for other coverage scenarios.

• The lowest rate with discounts is $665
• Raising to $1,000 deductibles will save approximately $136 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,132
• Choosing more expensive low deductibles increases the price to $1,396
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,432 or more
• An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,262

View Chart as Image

Insurance prices for a Chrysler Pacifica also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $400 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 128% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Chrysler Pacifica insurance rates. A middle-age driver might find prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.

How to Shop for the Best Cheap Chrysler Pacifica Insurance

Finding better rates on Chrysler Pacifica insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a quick review of the car insurance concepts touched on in this article.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,300 more annually than a low-risk driver
• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $400 each year
• Drivers who want more liability protection will pay about $430 annually 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.

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.