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 for full coverage insurance. Comprehensive costs an estimated $260, collision costs $400, and liability insurance costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing around $2,542. Teen drivers cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,184

Policy rates broken down by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Pacifica trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $690
• Using higher $1,000 deductibles will save approximately $150 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,184
• Choosing more expensive low deductibles for physical damage coverage will cost $1,472
• Drivers with multiple violations and an at-fault accident could pay up to $2,542 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,420 or more

View Chart as Image

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

An older driver with a clean driving record 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 can expect to pay at least $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 probably paying $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance 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, while increasing your policy's liability limits will increase premiums. Switching 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 has a huge impact on Chrysler Pacifica insurance rates. A driver around age 40 might see rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,600 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

How to Buy More Affordable Chrysler Pacifica Insurance

Finding cheaper rates on Chrysler Pacifica insurance requires having a good driving record, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the coverage data covered in the above illustrations.

• It is possible to save approximately $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers age 20 and younger are charged the highest rates, possibly costing $368 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may pay on average $1,360 more annually to buy Chrysler Pacifica 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.