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.

Average auto insurance rates for a Chrysler Pacifica are $1,184 annually for full coverage insurance. Comprehensive insurance costs around $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 $2,542 or more. Teens receive the highest rates at $4,420 a year or more.

Average premium for full coverage: $1,184

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Pacifica trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion.

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

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Chrysler Pacifica insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $690
• Using higher $1,000 deductibles will save about $150 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,184
• Selecting more expensive low deductibles for physical damage coverage costs an additional $288 a year
• Drivers with serious driving violations could pay at least $2,542 or more
• The cost with full coverage for a teen driver with full coverage can be $4,420 or more

View Chart as Image

Auto insurance rates for a Chrysler Pacifica can also vary considerably based on the trim level of your Pacifica, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

Where you live 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and quoted rates can be significantly different between companies.

How to Buy Low Cost Chrysler Pacifica Insurance

Saving money on Chrysler Pacifica insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a review of the material that was covered in the above illustrations.

• Drivers who may need more liability coverage will pay approximately $430 annually to increase from a minimum limit to higher 250/500 limits
• Teen drivers are expensive to insure, costing up to $368 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations pay on average $1,360 more every year to insure their Pacifica
• Increasing deductibles could save up to $450 each year

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.