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.

The average auto insurance rates for a Chrysler Pacifica are $1,184 annually including full coverage. Comprehensive insurance costs approximately $260 each year, collision costs $400, and liability insurance costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing $2,542 or more. Teens cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,184

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Pacifica models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Chrysler Pacifica insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $690
• Drivers who choose higher $1,000 deductibles will pay $150 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,184
• Selecting low deductibles for comprehensive and collision insurance costs an additional $288 a year
• High risk drivers with serious driving violations could pay around $2,542 or more
• Policy cost with full coverage for a teen driver can cost $4,420 a year

View Chart as Image

Insurance rates for a Chrysler Pacifica also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $440 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Chrysler Pacifica insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,690 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so the rates will be varied between companies.

How to Buy the Best Chrysler Pacifica Insurance

Finding cheaper rates on Chrysler Pacifica insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $140 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations may have to pay on average $1,360 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $368 each month including comprehensive and collision insurance

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.