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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The Chrysler Pacifica offers a spacious interior, family-friendly features, all-wheel drive, and decent towing capacity, making it one of the top minivans on the market.[1] The Pacifica is also relatively inexpensive to insure, with drivers spending an average of $130 per month on insurance coverage, according to Compare.com data.
Pacifica auto insurance rates fall below the national average for all vehicles, and the minivan’s stellar safety ratings may be one reason why.[2] But depending on your driving history, model year, and insurer, what you pay may be higher or lower than average. Here’s what you need to know before shopping around for Chrysler Pacifica insurance.
Mile Auto, which offers pay-per-mile insurance, offers the cheapest rates for Chrysler Pacifica owners, at an average of $75 per month.
Some of the best auto insurance companies for Chrysler Pacifica drivers include Root, Farmers, and GEICO.
Drivers in North Carolina pay the cheapest Chrysler Pacifica rates, while New York drivers pay the most.
What you pay for car insurance largely depends on the type of coverage you choose. For example, a basic liability policy will cost less per month but pay only for the bodily injuries and property damage you cause to others in an accident.
Full coverage includes liability coverage and protection for damage to your vehicle through collision insurance and comprehensive coverage, but it costs more. Your lender may also require it when you lease or finance your Pacifica.[3]
Here’s a look at the average monthly premiums for both options and how they compare to the national average, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Chrysler Pacifica | $92 | $169 | $130 |
| All vehicles | $108 | $193 | $150 |
Pacifica drivers pay about $92 per month for liability coverage and $169 per month for full coverage, about $20 less than the national average for all other vehicles. Next, we’ll look at some of the cheapest rates for the Pacifica.
Comparing personalized quotes is the only way to find the best coverage.
No matter the average rates for the Pacifica, you can find ways to save on your insurance policy. One way is to get car insurance quotes from multiple insurers before purchasing a policy.
The table below shows the five cheapest car insurance companies for the Chrysler Pacifica, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $75 |
| Certainly | $81 |
| Clearcover | $90 |
| Mercury | $93 |
| Root | $95 |
Mile Auto offers the cheapest coverage, at an average of $75 per month. But keep in mind that Mile Auto charges based on your mileage.
It’s important to note that while these companies offer the most competitive average rates, they aren’t the cheapest for all drivers. That’s why exploring your insurance coverage options is essential for getting the best rate.
Next, we’ll look at some of the best auto insurers for different kinds of Pacifica drivers.
One company won’t meet every driver’s auto insurance needs. To find the best deal for your Chrysler Pacifica, it’s smart to compare pricing, coverage options, and customer satisfaction across multiple insurers.
We’ll start by comparing three top insurance companies for Pacifica drivers based on average premiums, discount opportunities, customer reviews, and available coverage options.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
In addition to low average rates for Pacifica owners, Root takes a unique approach to its insurance. Rather than focusing on traditional factors, Root determines your car insurance rate based on how you drive. Through its mobile app, Root monitors behaviors like speed, braking, and phone use to create a personalized rate.
You can even take a test-drive before switching — Root offers a trial period so you can see your potential savings without committing.
Competitive rates for safe drivers
Fast claims process
Great Trustpilot ratings[4]
No local agents
30-day test-drive period
Not available in every state
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $213/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers offers a wide range of optional coverages if you’re looking to go beyond basic auto insurance. You can customize your policy with add-ons like accident forgiveness, rental reimbursement, roadside assistance, and rideshare coverage.
The insurer earned below-average marks for customer service in J.D. Power’s latest rankings in most regions. Plus, coverage isn’t available in every state, so it may not be an option depending on where you live.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers a broad mix of discounts to help drivers save, including bundling discounts, going paperless, and completing a defensive driving course. You can also bundle your auto policy with GEICO’s other insurance products — like homeowners or renters coverage — for added savings.
Many discounts available
Available nationwide
Mechanical breakdown coverage available
Below-average claims satisfaction rating
Gap insurance not available
Few local agents
Comparing quotes can save you up to $867.†
Your Chrysler Pacifica’s age is another factor that can affect your auto insurance rate costs. In particular, vehicles that have depreciated in value tend to cost less to insure because they’re less expensive to repair or replace.[7] With few exceptions, that’s true for the Pacifica.
Here’s a look at the average car insurance premiums for Chrysler Pacifica models going back to 2017, according to Compare.com data.
Pacifica Model Year | Average Monthly Premium |
|---|---|
| 2025 | $136 |
| 2024 | $158 |
| 2023 | $148 |
| 2022 | $147 |
| 2021 | $139 |
| 2020 | $135 |
| 2019 | $132 |
| 2018 | $131 |
| 2017 | $132 |
Your location can also directly affect what you pay for coverage. Keep reading to learn about average rates by state.
Repair costs, medical bills, weather patterns, state requirements, and other regional factors can all influence the price of car insurance. Rates of accidents, theft, vandalism, lawsuits, and insurance fraud vary by state. As a result, the average monthly premium to insure a Chrysler Pacifica can vary widely depending on where you live, even down to your ZIP code.
The map below shows average rates by state for Pacifica drivers, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $77 |
| Arizona | $103 |
| Arkansas | $147 |
| California | $148 |
| Colorado | $120 |
| Connecticut | $234 |
| Delaware | $143 |
| Florida | $150 |
| Georgia | $153 |
| Idaho | $77 |
| Illinois | $96 |
| Indiana | $83 |
| Iowa | $70 |
| Kansas | $94 |
| Kentucky | $150 |
| Louisiana | $139 |
| Maine | $91 |
| Maryland | $212 |
| Massachusetts | $116 |
| Michigan | $180 |
| Minnesota | $116 |
| Mississippi | $116 |
| Missouri | $113 |
| Montana | $94 |
| Nebraska | $108 |
| Nevada | $183 |
| New Hampshire | $71 |
| New Jersey | $122 |
| New Mexico | $89 |
| New York | $296 |
| North Carolina | $57 |
| North Dakota | $89 |
| Ohio | $78 |
| Oklahoma | $100 |
| Oregon | $99 |
| Pennsylvania | $100 |
| Rhode Island | $88 |
| South Carolina | $169 |
| South Dakota | $74 |
| Tennessee | $87 |
| Texas | $136 |
| Utah | $112 |
| Vermont | $84 |
| Virginia | $111 |
| Washington | $86 |
| District of Columbia | $175 |
| West Virginia | $89 |
| Wisconsin | $78 |
| Wyoming | $74 |
Another major factor to keep in mind is your age. Let’s take a look at how that can influence your insurance premiums.
Your age also affects your car insurance costs, particularly if your policy includes a teen driver. Young drivers are statistically more likely to get into accidents and take greater risks behind the wheel, which leads to higher premiums.[8]
The table below shows the average monthly insurance costs for the Chrysler Pacifica by age group, based on data from Compare.com.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $245 |
| Adults | $119 |
| Seniors | $100 |
Teen drivers pay more than twice as much for car insurance as seniors. Rates tend to decrease with age but often begin to climb again once you reach your 70s.
Although some auto insurance factors are out of your hands, safe driving habits can help you qualify for lower rates. On the flip side, violations like speeding tickets, at-fault accidents, or DUIs can drive up your premiums. That’s because insurers view high-risk drivers as more likely to file claims.
Here’s how different infractions can affect insurance costs for your Chrysler Pacifica, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $130 |
| Speeding ticket | $181 |
| At-fault accident | $189 |
| DUI | $214 |
Getting a speeding ticket or causing an accident can raise your insurance rates, but a DUI typically has a greater effect. For Pacifica drivers, a DUI could increase your premiums by as much as 65%.
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The Chrysler Pacifica has several safety features and conveniences that can lead to higher- or lower-than-average car insurance premiums. The safety features below may help lower your rate by reducing the risk of accidents or theft:
Forward collision warning with active braking
Adaptive cruise control
Pedestrian automatic emergency braking system
Lane assist and departure warning
Blind-spot monitoring
Rear park assist
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Whether you already own a Chrysler Pacifica or are thinking about buying one, here are some steps you can take to maximize your savings on auto insurance:
Choose a lower-cost trim. The Pacifica has several trims, including the Select, Limited, and Pinnacle. Lower trims often cost less to repair or replace, leading to lower insurance premiums.
Stick with the gas model. While the Pacifica hybrid can qualify for some discounts, it can also be more expensive to repair, which can increase insurance premiums. The standard gas version may come with lower insurance costs.
Opt for front-wheel drive. The Chrysler Pacifica offers all-wheel drive on select trims, but if you live in a mild climate and can stick with front-wheel drive, this can save you money. Front-wheel drive systems are less complex and cheaper to repair, which can translate to lower insurance premiums.
Compare quotes regularly. Each insurer approaches risk differently, so you must take the time to shop around and compare rates at least once a year to ensure you’re always getting the best deal.
Get personalized quotes for your Chrysler Pacifica.
Here are answers to some common questions people ask about Chrysler Pacifica auto insurance.
No. Compared to the national average for all vehicles, the Pacifica is less expensive to insure. The average monthly rate is $130 for Pacifica drivers, while the national average is $150, according to our research. But depending on your situation, your car insurance may be more expensive or cheaper than that of other Pacifica drivers.
Mile Auto offers the most competitive rates for the Chrysler Pacifica, with an average monthly rate of $75, according to our data. But if you aren’t looking for pay-per-mile insurance, Certainly is the next-cheapest auto insurance company.
Our data shows that the 2025 Chrysler Pacifica costs an average of $136 per month to insure. But personal rates vary depending on driver age, ZIP code, and driving record.
Yes, our data shows that minivans tend to cost 25% less to insure than other types of vehicles.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
