Chrysler Pacifica Car Insurance: How Much Should You Expect to Pay?

The average auto insurance price for a Chrysler Pacifica tends to be around $135 a month. Take a look at our new guide to know how much insurance carriers might charge you to insure your Chrysler Pacifica.

Quick Facts

  • It costs more to insure a Chrysler Pacifica than the average truck.
  • Full coverage for a Pacifica normally comes in at around $143 monthly, while liability only auto insurance rates run about $81.
  • AmericanAlliance is the lowest insurance carrier for a Pacifica.

Pacifica Overview

Coming in with a base MSRP of $35,045 for 2021 models, the Chrysler Pacifica is a great car for drivers on a budget. There are eight different trim levels currently offered, so there's an option for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Chrysler Pacifica insurance prices run around $135 per month, on average. How do auto insurance premiums for the Pacifica stack up against other similar trucks?

Current Base Price$35,045
Body Style(s)Truck
Trim LevelsHYBRID PINNACLE, HYBRID TOURING L, HYBRID LIMITED, TOURING, LIMITED, HYBRID TOURING, PINNACLE, TOURING L
Average Insurance Premium$135/mo.
Cheapest Insurance CompanyAmericanAlliance

How Much is Car Insurance for a Chrysler Pacifica?

Vehicle Liability Only Full Coverage
Chrysler Pacifica$81$143
All Chrysler Models$79$167
All Trucks$70$128
Average Insurance Premium$81$169

Looking at the table above, you'll find that compared to other vehicles, Chrysler Pacifica insurance prices are more affordable than average. Pacifica owners can expect to pay about $143 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $81 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other models, the Pacifica is more affordable, with rates around 14% lower than Chrysler's other vehicle offerings. Compared to truck offerings from other brands, car insurance for a Pacifica is similarly on the expensive side, with full coverage insurance premiums coming in about 12% more and 16% more for liability only insurance.

When compared to all vehicles of any body type, the Pacifica has higher rates than average for both full coverage and liability only auto insurance.

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Who has the Cheapest Car Insurance for a Chrysler Pacifica?

Insurance Company Average Monthly Premium
AnswerFinancial$27
Aspire$27
MetroMile$27
Coverhound$28
Hugo$29

Are you looking for an auto insurance policy for your Chrysler Pacifica? You might be wondering which company offers the most affordable prices. While there will never be one carrier that offers the most affordable premiums for everyone, the cheapest average rates for liability only insurance are as little as $27 monthly from AnswerFinancial and Aspire.

Rounding out the list are MetroMile, Coverhound, and Hugo. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take a variety of different factors into consideration when offering you rates. There's only one way to make sure you find the lowest possible rates, and that's by getting quotes from an array of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Chrysler Pacifica?

There are a variety of things that insurance companies consider to decide how much to charge you for car insurance -- and every company weighs certain attributes more than others, so there's not just one carrier that's the cheapest for everyone.

The sections below show many variables auto insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$100
2-3 Years$65
4-5 Years$67
6-7 Years$62
8-10 Years$76
11-14 Years$84
15 Years or Older$81

The Chrysler Pacifica has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Pacificas begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Chrysler Pacifica follows this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are Pacificas that are 6 to 7 years old, on average.

Your Age

Age Average Monthly Premium

Your age is another variable that makes a big difference in how much auto insurance companies will charge. In the table above, you'll see that drivers who have more experience have more affordable prices than young drivers. Chrysler Pacifica drivers under 18 actually pay over five times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Pacifica.

Your Gender

Gender Average Monthly Premium
Male$82
Female$81

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for insurance than men. When it comes to Pacifica drivers specifically, women pay around 1% less than men a month for car insurance.

Where You Live

State Average Monthly Premium
California$50
Florida$120
Georgia$101
Illinois$47
New York$197
North Carolina$49
Ohio$52
Pennsylvania$69
Texas$62
Virginia$59

You were probably already aware that things like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live matters just as much? Car insurance is regulated at the state level, so rates vary quite a bit from state to state.

For example, the average Chrysler Pacifica owner from New York pays about $197 per month for liability coverage. Meanwhile, the same Californian driver will pay less than 50% of that price, on average. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Chrysler Pacifica Car Insurance Discounts

Regardless of your age, your car, or your home state, it's always the smart move to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

  • Multi-car discounts for having several vehicles on your auto policy
  • Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments
  • Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

These are just a few of the discounts auto insurance carriers offer, and some of the best ways to save are just by having a positive insurance profile and good driving record.

Although you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), you can control some of it. Below are just a few of the variables you can use to your favor when it comes to saving some cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$103
Multiple Accidents$109
1 Ticket$83
Multiple Tickets$101

You've almost certainly seen ads from insurance companies promoting large discounts for good drivers. It shouldn't come as a surprise that your car insurance prices will get higher if you get a ticket for speeding or get into a collision. But you're probably wondering exactly how much these infractions can cost you.

You can tell from the table above that accidents will usually cost Pacifica drivers more than tickets, but both will result in a raise in rates. Chrysler Pacifica drivers with one ticket will pay about $83 monthly, while drivers with a single accident on their record pay an average of $103 each month (up $22 from the $81/mo. overall average). The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$74
2,501-5,000 Miles$79
5,001-7,500 Miles$71
7,501-10,000 Miles$83
10,000+ Miles$84

Another factor that affects your auto insurance premiums is the total distance you drive. Drivers who are on the roads less often are less likely to get tickets, so they'll generally end up paying less for insurance. Above, you can see that Chrysler Pacifica owners who drive fewer than 2,500 miles every year pay about $74 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $84.

But if you happen to be one of those drivers who put very few miles on your Chrysler Pacifica each year, you might consider learning about usage-based or pay-per-mile insurance policies. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Chrysler Pacificas Compare to Other Vehicles?

If you're considering purchasing a Chrysler Pacifica, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth thinking about carefully.

Review the table below to see how the Chrysler Pacifica stacks up:

Chrysler Pacifica National Average
Liability Insurance$58$81
Full Coverage Insurance$232$169
Base MSRP$35,045$46,296
Average Annual Mileage11,65011,617

As you can see, a Chrysler Pacifica is a great value when it comes to overall price tag. The Pacifica has an MSRP of $35,045, which is quite a bit lower than the national average vehicle price of $46,296.

Full coverage insurance for a Chrysler Pacifica is around $63 per month more than average, while liability only coverage is more than $20 less a month.

When it comes to usage, Chrysler Pacifica drivers are near the national average in annual miles driven, with 11,650 miles per year compared to 11,617 for all vehicles.

Chrysler Pacifica Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much the average driver pays to insure a Chrysler Pacifica. If you're considering buying a new vehicle and the Pacifica is one you're thinking about, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your options.

2021 Chrysler Pacifica Car Insurance

   
Liability Only Avg. Premium$58
Full Coverage Avg. Premium$232
Base MSRP$35,045
Cheapest Insurance CompanyDairyland - $38/mo.
Available TrimsHYBRID LIMITED, HYBRID PINNACLE, HYBRID TOURING, HYBRID TOURING L, LIMITED, PINNACLE, TOURING, TOURING L

On average, drivers who own a 2021 Pacifica can expect to pay $58 to $232 monthly for liability only and full coverage insurance, respectively.

With premiums as low as just $38 a month, Dairyland offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2020 Chrysler Pacifica Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$199
Base MSRP$34,045
Cheapest Insurance CompanyHugo - $28/mo.
Available TrimsHYBRID, HYBRID LIMITED, HYBRID TOURING, HYBRID TOURING L, LIMITED, TOURING, TOURING L, TOURING L PLUS

It costs about $92 monthly for liability or $199 for a full coverage policy for the 2020 Chrysler Pacifica.

We found Hugo offered the cheapest policy, with rates sometimes as low as $28 per month.

If you want to find the best prices for auto insurance for a 2020 Chrysler Pacifica, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.

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2019 Chrysler Pacifica Car Insurance

   
Liability Only Avg. Premium$119
Full Coverage Avg. Premium$175
Base MSRP$27,235
Cheapest Insurance CompanyMetroMile - $17/mo.
Available TrimsHYBRID, HYBRID LIMITED, HYBRID TOURING L, HYBRID TOURING PLUS, L, LIMITED, LX, TOURING, TOURING L, TOURING L PLUS, TOURING PLUS

The average cost to insure a 2019 Pacifica with liability only coverage is $119 monthly, while full coverage runs around $175 a month.

Looking for the most affordable policy? MetroMile offered liability only coverage for sometimes as cheap as $17 per month.

Want something more accurate than nationwide averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing multiple personalized quotes from the nation's top insurance carriers.

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2018 Chrysler Pacifica Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$131
Base MSRP$26,995
Cheapest Insurance CompanyHugo - $21/mo.
Available TrimsHYBRID LIMITED, HYBRID TOURING L, HYBRID TOURING PLUS, L, LIMITED, LX, TOURING, TOURING L, TOURING L PLUS, TOURING PLUS

You can expect full coverage for a 2018 Chrysler Pacifica to run about $131 a month, while liability only coverage will average around $61 per month.

Hugo has rates as cheap as just $21 monthly for the 2018 Chrysler Pacifica.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2017 Chrysler Pacifica Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$139
Base MSRP$28,995
Cheapest Insurance CompanyHugo - $20/mo.
Available TrimsEHYBRID PLATINUM, EHYBRID PREMIUM, EHYBRID TOURING, LIMITED, LIMITED HYBRID, LX, TOURING, TOURING L, TOURING L PLUS

2017 Pacifica drivers can expect to pay an average of $68 per month for liability or $139 for full coverage.

Hugo offered the cheapest policy we found, with rates as cheap as $20 a month.

Interested in what your car insurance rate could look like? Just enter your ZIP code below to get lots of free customized quotes.

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Chrysler Pacifica Insurance FAQs

Is a Chrysler Pacifica expensive to insure?

Liability insurance runs an average of $81 monthly, while full coverage will cost you around $143. When compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Chrysler Pacifica?

The only way to be confident you're getting the lowest price on auto insurance is to regularly shop around and compare quotes from numerous companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Chrysler Pacifica affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's just a myth. There are a lot of variables car insurance companies examine when they calculate your rates, but the color of your Pacifica is not one of them.

Do I need to have insurance before I buy a Chrysler Pacifica?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Chrysler Pacifica off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Chrysler Pacifica?

There are a variety of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your car and more on you, but if your Pacifica has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance company and ask about their list of discounts.

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