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 $1,184 a year for full coverage insurance. Comprehensive costs around $260, collision costs $400, and liability coverage costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $2,542. 16-year-old drivers cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,184

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Pacifica models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

The chart below illustrates estimated 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 $150 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,184
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,472
• High-risk insureds with multiple tickets or accidents could pay at least $2,542 or more
• Policy cost for full coverage for a teenage driver for full coverage can be $4,420 a year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,400 a year. View Rates by Age

Your home state makes a big difference in Chrysler Pacifica insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $440 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $1,900 extra every year, depending on your age. Chrysler Pacifica insurance for high-risk drivers can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

How to Find Affordable Chrysler Pacifica Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the primary concepts that were touched on above.

• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions may pay on average $1,360 more every year to buy Chrysler Pacifica insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers age 20 and younger are the costliest to insure, possibly costing $368 each month if full coverage 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.