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 $1,132 annually including full coverage. Comprehensive insurance costs on average $248, collision costs $358, and liability insurance is $390. A liability-only policy costs around $438 a year, with high-risk insurance costing $2,432 or more. 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 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Pacifica models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Chrysler Pacifica insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $665
• Raising to $1,000 deductibles will save around $136 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,132
• Buying pricier low deductibles costs an additional $264 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,432 or more
• Policy cost with full coverage for a teen driver for full coverage may 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 driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,200 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 a minimum $1,300 to $1,800 extra every year, depending on your age. Chrysler Pacifica insurance for high-risk drivers is expensive and can cost anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $400 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Chrysler Pacifica insurance rates. A middle-age driver might find rates as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,620 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied between companies.

How to Buy the Cheapest Chrysler Pacifica Insurance

Finding cheaper rates on Chrysler Pacifica insurance consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the data touched on above.

• Drivers who require increased liability limits will pay around $430 per year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $355 each 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.

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.