Chrysler Pacifica Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 23, 2022

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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 insurance prices for a Chrysler Pacifica are $824 every 12 months for full coverage. Comprehensive insurance costs on average $148 a year, collision insurance costs $160, and liability is $380. Buying just liability costs around $428 a year, and insurance for high-risk drivers costs $1,758 or more. Teenage drivers receive the highest rates at up to $3,286 a year.

Average premium for full coverage: $824

Rate estimates by individual coverage type:

Comprehensive $148
Collision $160
Liability $380

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Pacifica trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $428 for the bare minimum liability coverage to a high of $1,758 for a driver who has had serious violations or accidents.

Liability Only $428
Full Coverage $824
High Risk $1,758

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $618
Small Cities $865
Large Cities $1,112

These examples show why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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 shows average Chrysler Pacifica insurance rates for different risk profiles and scenarios.

  • The best discount rate is $508
  • Raising to $1,000 deductibles will save around $756 a year
  • The average price for a 40-year-old driver with $500 deductibles is $824
  • Using low $100 deductibles costs an extra $134 annually
  • Drivers who are prone to accidents and violations could pay upwards of $1,758
  • The cost to insure a 16-year-old driver may cost $3,286

View Chart as Image

Chrysler Pacifica insurance cost comparison chart
Column chart showing Chrysler Pacifica insurance prices range from $508 to $3,286 for full coverage

Auto insurance rates for a Chrysler Pacifica can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Pacifica.

Using high physical damage deductibles can reduce rates by up to $210 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $342 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $3,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,400 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Chrysler Pacifica insurance prices. A middle-age driver might find rates as low as $550 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,180 on average in Michigan, Louisiana, and New York.

Chrysler Pacifica Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $746 -$78 -9.5%
Alaska $634 -$190 -23.1%
Arizona $686 -$138 -16.7%
Arkansas $824 -$0 0.0%
California $940 $116 14.1%
Colorado $786 -$38 -4.6%
Connecticut $846 $22 2.7%
Delaware $932 $108 13.1%
Florida $1,028 $204 24.8%
Georgia $762 -$62 -7.5%
Hawaii $592 -$232 -28.2%
Idaho $558 -$266 -32.3%
Illinois $614 -$210 -25.5%
Indiana $622 -$202 -24.5%
Iowa $554 -$270 -32.8%
Kansas $782 -$42 -5.1%
Kentucky $1,124 $300 36.4%
Louisiana $1,220 $396 48.1%
Maine $510 -$314 -38.1%
Maryland $680 -$144 -17.5%
Massachusetts $656 -$168 -20.4%
Michigan $1,432 $608 73.8%
Minnesota $690 -$134 -16.3%
Mississippi $986 $162 19.7%
Missouri $732 -$92 -11.2%
Montana $884 $60 7.3%
Nebraska $650 -$174 -21.1%
Nevada $988 $164 19.9%
New Hampshire $596 -$228 -27.7%
New Jersey $922 $98 11.9%
New Mexico $728 -$96 -11.7%
New York $868 $44 5.3%
North Carolina $474 -$350 -42.5%
North Dakota $676 -$148 -18.0%
Ohio $566 -$258 -31.3%
Oklahoma $844 $20 2.4%
Oregon $756 -$68 -8.3%
Pennsylvania $786 -$38 -4.6%
Rhode Island $1,098 $274 33.3%
South Carolina $748 -$76 -9.2%
South Dakota $696 -$128 -15.5%
Tennessee $720 -$104 -12.6%
Texas $996 $172 20.9%
Utah $610 -$214 -26.0%
Vermont $564 -$260 -31.6%
Virginia $494 -$330 -40.0%
Washington $636 -$188 -22.8%
West Virginia $756 -$68 -8.3%
Wisconsin $568 -$256 -31.1%
Wyoming $734 -$90 -10.9%

View Chart as Image

Chrysler Pacifica insurance rates by U.S. city
Chrysler Pacifica Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2007 Chrysler Pacifica $168 $182 $398 $884
2006 Chrysler Pacifica $166 $178 $390 $870
2004 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 Shop for More Affordable Chrysler Pacifica Insurance

Saving money on insurance for a Chrysler Pacifica consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the ideas that were touched on in this article.

  • Teenagers are charged the highest rates, costing as high as $274 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations pay an average of $930 more each year for car insurance
  • Increasing deductibles could save as much as $200 each year
  • Drivers can save as much as $90 per year just by quoting early and online

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.

Rates by Driver Age

Chrysler Pacifica Insurance Rates by Driver Age
Driver Age Premium
16 $3,286
20 $1,862
30 $838
40 $824
50 $758
60 $740

Full coverage, $500 deductibles

Rates by Deductible

Chrysler Pacifica Insurance Rates with Different Deductibles
Deductible Premium
$100 $958
$250 $900
$500 $824
$1,000 $756

Full coverage, driver age 40

Rates by Liability Limit

Chrysler Pacifica Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $824
50/100 $900
100/300 $995
250/500 $1,242
100 CSL $938
300 CSL $1,147
500 CSL $1,299

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler Pacifica Insurance Rates for High Risk Drivers
Age Premium
16 $4,620
20 $2,962
30 $1,774
40 $1,758
50 $1,678
60 $1,660

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.

SR-22 Surcharge $106

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $41
Multi-vehicle $43
Homeowner $14
5-yr Accident Free $48
5-yr Claim Free $51
Paid in Full/EFT $29
Advance Quote $35
Online Quote $55
Total Discounts $316
Rate after discounts $508

Discounts are estimated and may not be available from every company or in every state.

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