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 insurance rates for a Chrysler Pacifica are $1,132 a year for full coverage insurance. Comprehensive costs approximately $248, collision costs $358, and liability is $390. A liability-only policy costs around $438 a year, with high-risk insurance costing around $2,432. 16-year-old drivers cost the most to insure at $4,262 a year or more.

Average premium for full coverage: $1,132

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, 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

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how your location can change auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on rate 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 additional coverage and risk scenarios.

• The best full coverage rate is $665
• Raising to $1,000 deductibles will save $136 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,132
• Buying more expensive low deductibles bumps up the cost to $1,396
• Drivers with multiple tickets or accidents could pay around $2,432 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $4,262

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 128% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,200 a year. View Rates by Age

Your home state also has a big influence on Chrysler Pacifica insurance prices. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $400 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.

How to Find the Cheapest Chrysler Pacifica Insurance

Finding cheaper rates on insurance for a Chrysler Pacifica consists of avoiding accidents and violations, having a positive credit history, being claim-free, and avoiding coverage lapses. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a recap of the concepts that were illustrated above.

• Drivers considered higher risk that have major violations or accidents could be charged and average of $1,300 more per year for car insurance
• Teenagers pay the highest auto insurance rates, possibly costing $355 each month if full coverage is purchased
• It is possible to save around $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• It is possible to save around $130 per year simply by shopping 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.

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.