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: 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 auto insurance rates for a Chrysler Pacifica are $1,184 annually including full coverage. Comprehensive insurance costs around $260 each year, collision insurance costs $400, and liability insurance costs around $388. A liability-only policy costs as low as $434 a year, and high-risk insurance costs $2,542 or more. Teen 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

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Pacifica models.

Price Range Variability

Using a middle-aged driver as an example, Chrysler Pacifica insurance rates range from as cheap as $434 for liability-only coverage to a high rate 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

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance rates.

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

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on price 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 Charts and Tables

The chart below breaks down average Chrysler Pacifica insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $690
  • Using higher $1,000 deductibles will save about $150 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,184
  • Choosing low deductibles for physical damage coverage costs an additional $288 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,542
  • Policy cost with full coverage for a teen driver can be $4,420 or more

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

Car insurance rates for a Chrysler Pacifica also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $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 at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $440 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Chrysler Pacifica insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

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 Buy Cheaper Chrysler Pacifica Insurance

Finding cheaper rates on Chrysler Pacifica insurance requires being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a condensed summary of the ideas that were touched on in the above illustrations.

  • Teen drivers are the costliest to insure, with premiums being up to $368 each month if comprehensive and collision insurance is included
  • High-risk drivers with multiple at-fault accidents may pay on average $1,360 more every year to insure their Pacifica
  • Increasing comprehensive and collision deductibles could save up to $450 each year
  • You may be able to save up to $140 per year just by quoting online in advance

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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