Chrysler Pacifica Insurance

And how to get the lowest premiums

Chrysler Pacifica Insurance

Getting the lowest possible insurance rates for your Chrysler Pacifica means shopping around. You'll have to contact multiple insurers to get quotes specific to your car and situation. An independent insurance agent can do the heavy lifting for you. They can get quotes from trustworthy insurance companies and help you get premium discounts. 

A local independent insurance agent will help you get the car insurance you need for your Chrysler Pacifica at a great rate. 

What Kind of Insurance Do You Need for Your Chrysler Pacifica?

Bodily injury liability

If you cause an accident and someone else is hurt, bodily injury liability insurance will pay for costs associated with medical care and recovery for that person. 

Property damage liability

In many states, property damage liability insurance is required by law. Even so, consider purchasing more than the minimum amount. You'll have to pay for damage you cause that exceeds the limits of your policy. 

Medical payments/personal injury protection

Laws differ from one state to the next, so talk with your agent to understand your options where personal injury protection and medical payments insurance is concerned. In some states, this type of insurance is mandatory. If you are in an accident, this policy may pay for costs related to physical recovery for you and your passengers. 

Uninsured motorist coverage

Not every driver has the right amount of insurance coverage. Even if it's illegal to drive without liability insurance, many people take the chance. Uninsured and underinsured motorist coverage is an extra layer of protection that pays for repairs to your vehicle if you are in an accident with someone without insurance who can't pay the costs on their own. 

Optional Coverage


Collision insurance coverage pays to repair or replace your Chrysler Pacifica if you hit something or are in an accident with another car. This type of coverage isn't right for everyone, so talk with your agent about the pros and cons of including collision coverage on an older Chrysler Pacifica. 


If you are in an accident caused by an animal in the road or are the victim of vandalism, you'll need comprehensive insurance coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your Chrysler Pacifica, minus your deductible, up to its fair market value for covered incidents. 

Glass coverage

You can't put off replacing a windshield without risking a ticket, but the cost can be hard to stomach. It's often less than your deductible, but still expensive enough that it's worth considering adding glass coverage to your policy. 

Gap insurance

If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership where you purchased your new Chrysler Pacifica, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if you are in an accident that the insurance company deems a "total loss." 

What Affects the Cost of Insurance for Your Chrysler Pacifica?

Annual mileage: If you drive more than the average of 10,000 to 15,000 miles each year, expect to pay slightly higher premiums for auto insurance on your Chrysler Pacifica. 

Your driving record: If you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations. 

The value of your vehicle: Older models have a lower value, which means it normally costs less to insure a Chrysler Pacifica that's a few years old than it would to insure a new Pacifica. 

Model Year Total Average Premium
2020 Chrysler Pacifica $1,312
2019 Chrysler Pacifica  $1,300
2018 Chrysler Pacifica $1,292
2017 Chrysler Pacifica $1,272
2008 Chrysler Pacifica  $984
2007 Chrysler Pacifica  $944
2006 Chrysler Pacifica  $914
2005 Chrysler Pacifica $884
2004 Chrysler Pacifica $870

Average Chrysler Pacifica Insurance Costs

The average 40-year-old Chrysler Pacifica driver pays $1,312 annually for full coverage auto insurance, including collision and comprehensive coverage. Liability-only insurance drops to an average of just $388 per year. New drivers (16 years old) pay average rates that are much higher at $4,702 per year. Because there are so many factors that go into calculating insurance rates, yours may not line up with the averages. 

Your agent can help you design a policy that offers all the coverage you need while minimizing costs. 

The Safety of Your Chrysler Pacifica

Newer Pacificas are fully equipped with advanced safety features, which helps decrease insurance premiums. 

Optional advanced safety features for the 2021 Chrysler Pacifica:

  • 360° surround view camera
  • Parallel and perpendicular park assist
  • ParkSense® front park assist

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How Location Affects Your Chrysler Pacifica Insurance 

Your location has a huge effect on your car insurance premiums. It's crucial to get a personalized quote from an agent in your area. Here's how average Chrysler Pacifica full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next:

Los Angeles, CA: Chicago, IL: Columbus, OH: 
 $2,241  $1,753 $1,091

Additional Factors That Affect Your Chrysler Pacifica Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Chrysler Pacifica

Average annual cost to insure a Chrysler Pacifica with full coverage: $1,312
Teens: $4,702
High-Risk drivers: $2,804
High Deductibles: $1,118
Low Deductibles: $1,680
Top 3 most expensive states for Chrysler Pacifica insurance:
Michigan, New York, and Florida $1,770
Top 3 most affordable states for Chrysler Pacifica insurance:
Utah, Ohio, and New Hampshire $940

Top Independent Insurance Carriers That Insure the Chrysler Pacifica

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Chrysler Pacifica Quote

When you work with an independent insurance agent, you'll get access to their network of trusted insurance companies. They'll help you get the insurance you need at a price that works for you. Use the find-an-agent tool to get in touch with an agent in your area right away. 

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Sources: IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver