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: 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.

The average insurance prices for a Chrysler Pacifica are $1,184 every 12 months with full coverage. Comprehensive insurance costs around $260 a year, collision insurance costs $400, and liability insurance costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs $2,542 or more. 16-year-old drivers cost the most to insure at up to $4,420 a year.

Average premium for full coverage: $1,184

Policy rates for type of insurance:

Comprehensive $260
Collision $400
Liability $388

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Pacifica trim levels.

Price Range Variability

For a driver around age 40, Chrysler Pacifica insurance rates range from the cheapest price of $434 for just the minimum liability insurance to a high of $2,542 for a driver who has had serious violations or accidents.

Liability Only $434
Full Coverage $1,184
High Risk $2,542

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $888
Small Cities $1,243
Large Cities $1,598

The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, rather than relying on 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 average Chrysler Pacifica insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $690
  • Drivers who choose higher $1,000 deductibles will pay about $1,034 annually
  • The average price for a good driver age 40 using $500 deductibles is $1,184
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $288 a year
  • High risk drivers with multiple tickets or accidents could pay at least $2,542
  • Policy cost to insure a teen driver can be $4,420 a year

View Chart as Image

Chrysler Pacifica insurance cost comparison chart
Column chart showing Chrysler Pacifica insurance prices range from $690 to $4,420 for full coverage

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

Opting for high physical damage deductibles could save up to $440 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Chrysler Pacifica insurance rates. A 40-year-old driver could pay 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.

Chrysler Pacifica Insurance Rates by State
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%

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
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 Shop for Low Cost Chrysler Pacifica Insurance

Finding cheaper rates on Chrysler Pacifica insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The following items are a review of the ideas that were covered above.

  • 16 to 18-year-old drivers pay higher rates, as much as $368 each month if they have full coverage
  • High-risk drivers who have several accidents or serious violations pay on average $1,360 more every year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • You may be able to save up to $140 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 $4,420
20 $2,696
30 $1,228
40 $1,184
50 $1,080
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Chrysler Pacifica Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,472
$250 $1,340
$500 $1,184
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Chrysler Pacifica Insurance Rates with Different Liability Limits
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

Chrysler Pacifica Insurance 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.

SR-22 Surcharge $162

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
Rate after discounts $690

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

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