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...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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.

Estimated insurance prices for a Chrysler Pacifica are $824 every 12 months for full coverage. Comprehensive costs an estimated $148 a year, collision costs $160, and liability insurance is $380. A liability-only policy costs around $428 a year, with high-risk insurance costing around $1,758. Teenage drivers pay the most at $3,286 a year or more.

Average premium for full coverage: $824

Premium estimates broken down by type of coverage:

Comprehensive $148
Collision $160
Liability $380

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Pacifica trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Chrysler Pacifica go from the cheapest price of $428 for just liability coverage to a high of $1,758 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences show why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying 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.

Detailed Rate Analysis

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

  • The best discount rate is $508
  • Raising to $1,000 deductibles will save approximately $756 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $824
  • Using low $100 deductibles increases the price to $958
  • Higher-risk drivers who are prone to accidents and violations could pay up to $1,758 or more
  • An auto insurance policy to insure a teen driver can cost as much as $3,286

View Chart as Image

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

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

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

Older drivers with a good driving record and higher deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $3,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,000 to $1,400 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 135% more than a normal policy. 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 $550 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,180 on average in New York, Louisiana, and Michigan.

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

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Low Cost Chrysler Pacifica Insurance

Finding better rates on Chrysler Pacifica insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a review of the primary concepts that were covered above.

  • Drivers can save approximately $90 per year simply by quoting early and online
  • High-risk drivers who have several accidents or serious violations pay on average $930 more annually for car insurance
  • Increasing policy deductibles could save as much as $200 each year
  • Teenagers are the costliest to insure, as much as $274 per month if comprehensive and collision insurance 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.

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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