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 insurance costs on average $260 each year, collision costs $400, and liability coverage costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $2,542 or more. Teenage drivers cost the most to insure at $4,420 a year or more.

Average premium for full coverage: $1,184

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Pacifica models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $690
• Drivers who choose higher $1,000 deductibles will pay around $150 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,184
• Using low deductibles for comprehensive and collision insurance will cost an extra $288 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,542 or more
• Policy cost for full coverage for a teenage driver may cost $4,420 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $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 be forced to pay as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $440 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. 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 a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find Cheaper Chrysler Pacifica Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Spend time shopping around at least once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a condensed summary of the primary concepts that were touched on above.

• It is possible to save as much as $140 per year simply by quoting online in advance
• Drivers with multiple at-fault accidents pay an average of $1,360 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Teenagers pay higher rates, possibly costing $368 each month including comprehensive and collision 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.