Chrysler Pacifica Car Insurance Cost 2025
Getting insurance for a Chrysler Pacifica typically costs around $1,200 per year on average. However, the actual premium can vary based on factors such as your age, the model year of your car, and other individual considerations. You can use our quote tables below to get an estimate tailored to your specific situation.
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The 2025 Chrysler Pacifica offers a blend of family-friendly features and cost-effective insurance rates. On average, insuring this minivan costs approximately $1,200 annually, or about $100 per month, which is below the national average for similar vehicles .
Factors contributing to its lower insurance premiums include its strong safety ratings, moderate repair costs, and a lower likelihood of theft. However, individual insurance costs can vary based on factors such as the driver’s age, location, driving history, and chosen coverage levels.
Overall, the Pacifica’s combination of safety features and reliability makes it an economical choice for insurance.
How Much Does Chrysler Pacifica Car Insurance Cost?
Typically, Chrysler Pacifica drivers pay an average of $1,200 per year for car insurance.
The cost of car insurance can vary greatly based on several key factors, including your location, driving history, vehicle’s model year, and the type of coverage you choose. Keeping a clean driving record can help you secure lower premiums, while accidents or traffic violations typically lead to higher rates.
Living in a busy urban area with high traffic tends to result in more expensive insurance compared to rural areas with lighter traffic. Additionally, the level of coverage you select affects your premium—comprehensive insurance, which includes both collision and broader protection, is generally more expensive than basic liability coverage.
As shown in the table below, insuring a Chrysler Pacifica is more affordable than the average for all Chrysler models but still costs more than the average for all vehicles.
To help you find the best deal, Insuranceopedia offers tools to compare quotes from different auto insurance providers.
| Vehicle | Average Monthly Premium |
| Chrysler Pacifica | $132 |
| All Chryslers | $170 |
| All Cars | $175 |
Average Insurance Cost Of Chrysler Pacifica By Model Year
| Model Year | Average Premium |
| 2025 Chrysler Pacifica | $1,597 |
| 2024 Chrysler Pacifica | $1,531 |
| 2023 Chrysler Pacifica | $1,215 |
| 2022 Chrysler Pacifica | $842 |
| 2021 Chrysler Pacifica | $613 |
| 2020 Chrysler Pacifica | $756 |
| 2019 Chrysler Pacifica | $751 |
| 2018 Chrysler Pacifica | $687 |
| 2017 Chrysler Pacifica | $576 |
2025 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2025 Chrysler Pacifica is $1,597. However, Mercury Insurance offers the cheapest rates, averaging $1,460 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,460 |
| USAA | $1,680 |
| State Farm | $1,520 |
| Nationwide | $1,470 |
| Farmers Insurance | $1,610 |
| GEICO | $1,530 |
| Progressive | $1,740 |
| Allstate | $1,820 |
| Erie Insurance | $1,590 |
| American Family Insurance | $1,550 |
2024 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2024 Chrysler Pacifica is $1,531. However, Safeco offers the cheapest rates, averaging $885 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,744 |
| Texas Farm Bureau Group | $1,448 |
| Farmers | $1,607 |
| Bristol West | $1,545 |
| Unitrin | $1,798 |
| Safeco | $885 |
| Mercury | $1,669 |
| Esurance | $1,563 |
| Virginia Farm Bureau | $1,304 |
| USAA | $1,751 |
2023 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2023 Chrysler Pacifica is $1,215. However, Nationwide offers the cheapest rates, averaging $620 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,433 |
| Nationwide | $620 |
| Wolverine Mutual | $1,185 |
| Travelers | $1,246 |
| Mercury | $1,499 |
| SECURA Insurance | $1,063 |
| Esurance | $1,328 |
| Safeco | $842 |
| Grange | $1,485 |
| USAA | $1,453 |
2022 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2022 Chrysler Pacifica is $842. However, Safeco offers the cheapest rates, averaging $294 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $538 |
| Capital Insurance Group | $847 |
| American National P | $502 |
| SECURA Insurance | $1,053 |
| Atlantic States Insurance | $1,230 |
| Mercury Insurance Company | $767 |
| New Jersey Manufacturers | $1,044 |
| Safeco | $294 |
| Kemper Auto | Infinity | $937 |
| Wolverine Mutual | $1,212 |
2021 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2021 Chrysler Pacifica is $613. However, Dairyland offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $425 |
| American National P | $587 |
| Concord Group | $762 |
| Safeco | $396 |
| Dairyland | $162 |
| Buckeye Insurance Group | $382 |
| Plymouth Rock | $950 |
| Western Reserve | $894 |
| Direct Auto | $736 |
| Kemper Auto | $838 |
2020 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2020 Chrysler Pacifica is $756. However, Mercury Insurance offers the cheapest rates, averaging $329 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $958 |
| Cameron Mutual Group | $944 |
| NatGen Custom 360 | $792 |
| Pekin Insurance | $951 |
| Mercury Insurance | $329 |
| Safeco | $449 |
| NatGen Value | $1,007 |
| National General Value | $851 |
| Tennessee Farmers | $907 |
| American National P | $375 |
2019 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2019 Chrysler Pacifica is $751. However, National General Value offers the cheapest rates, averaging $535 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $901 |
| Partners Mutual Insurance Co | $876 |
| Titan | $939 |
| American National P | $661 |
| PEMCO | $890 |
| NatGen Value | $763 |
| Buckeye Insurance Group | $876 |
| Safeco | $505 |
| Mercury Insurance | $667 |
| National General Value | $535 |
2018 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2018 Chrysler Pacifica is $687. However, Safeco offers the cheapest rates, averaging $199 per year.
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $816 |
| Safeco | $199 |
| North Carolina Farm Bureau | $560 |
| Pekin Insurance | $861 |
| American National P | $616 |
| Mercury Insurance | $385 |
| Concord Group | $671 |
| Direct Auto | $967 |
| SECURA Insurance | $917 |
| Buckeye Insurance Group | $882 |
2017 Chrysler Pacifica Insurance Rates
The average annual insurance cost for a 2017 Chrysler Pacifica is $576. However, NatGen Custom 360 offers the cheapest rates, averaging $264 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $679 |
| Safeco | $273 |
| NatGen Custom 360 | $264 |
| North Carolina Farm Bureau | $888 |
| Concord Group | $718 |
| American National P | $484 |
| AssuranceAmerica Mobile Max | $421 |
| Countryway Insurance | $768 |
| American National P&C | $545 |
| Tennessee Farmers | $723 |
Find Affordable Chrysler Pacifica Insurance Rates
Are Chrysler Pacificas Expensive To Insure?
The Chrysler Pacifica is generally considered affordable to insure compared to many other vehicles. On average, annual insurance premiums for the Pacifica hover around $1,950, which is below the national average for minivans. Factors contributing to its lower insurance costs include its strong safety ratings, moderate repair expenses, and a lower likelihood of theft. However, individual premiums can vary based on factors like the driver’s age, location, driving history, and chosen coverage levels. For instance, younger drivers or those with a history of accidents may face higher rates. Overall, the Pacifica’s combination of safety features and reliability makes it a cost-effective choice for insurance.
Cost of Chrysler Pacifica Car Insurance By Age
Age is a key factor in determining vehicle insurance rates. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents. However, as you age and are considered a lower risk, your insurance costs tend to decrease.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,611 | $9,733 | $11,349 |
| 18 | $6,174 | $9,057 | $10,565 |
| 19 | $5,418 | $8,024 | $9,352 |
| 20 | $4,725 | $6,960 | $8,180 |
| 21 | $3,948 | $5,829 | $6,878 |
| 22 | $3,895 | $5,653 | $6,630 |
| 23 | $3,388 | $4,942 | $5,791 |
| 24 | $3,197 | $4,732 | $5,559 |
| 25 | $2,783 | $4,050 | $4,799 |
| 30 | $2,144 | $3,154 | $3,743 |
| 35 | $2,075 | $2,963 | $3,438 |
| 40 | $1,949 | $2,838 | $3,328 |
| 45 | $1,881 | $2,761 | $3,234 |
| 55 | $1,779 | $2,563 | $2,977 |
| 65 | $1,853 | $2,688 | $3,117 |
| 75 | $2,257 | $3,364 | $3,915 |
Chrysler Pacifica Car Insurance Rates By State
Your location significantly influences how insurance companies determine rates. Each state sets its own auto insurance regulations, which can impact costs. For instance, Michigan drivers often pay higher premiums due to the state’s requirement for more extensive coverage.
Additionally, the climate in your area plays a role—states prone to extreme weather events like hurricanes, storms, or flooding may have higher insurance rates. Local statistics on crime and accidents, including car thefts, crashes, and fatality rates, are also key factors insurers evaluate when calculating your Chrysler Pacifica insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,052 | $2,987 | $3,774 |
| Alaska | $1,735 | $2,397 | $2,330 |
| Arizona | $1,909 | $2,786 | $4,083 |
| Arkansas | $2,120 | $3,365 | $3,632 |
| California | $2,383 | $4,128 | $2,360 |
| Colorado | $2,167 | $3,036 | $3,889 |
| Connecticut | $2,795 | $4,384 | $5,537 |
| Delaware | $2,332 | $3,068 | $3,964 |
| Florida | $2,807 | $3,808 | $4,948 |
| Georgia | $2,291 | $3,405 | $3,390 |
| Hawaii | $854 | $1,224 | $876 |
| Idaho | $1,584 | $2,106 | $2,561 |
| Illinois | $1,593 | $2,491 | $2,843 |
| Indiana | $1,702 | $2,629 | $2,864 |
| Iowa | $1,371 | $1,845 | $2,130 |
| Kansas | $1,764 | $2,623 | $2,990 |
| Kentucky | $2,572 | $3,740 | $4,417 |
| Louisiana | $3,348 | $5,029 | $5,360 |
| Maine | $1,236 | $1,764 | $2,551 |
| Maryland | $1,984 | $2,926 | $3,292 |
| Massachusetts | $1,663 | $2,785 | $1,622 |
| Michigan | $3,899 | $5,998 | $9,395 |
| Minnesota | $1,587 | $2,131 | $2,996 |
| Mississippi | $1,916 | $2,811 | $2,739 |
| Missouri | $1,854 | $2,652 | $3,484 |
| Montana | $1,888 | $2,608 | $2,984 |
| Nebraska | $1,573 | $2,276 | $2,484 |
| Nevada | $2,557 | $3,830 | $4,099 |
| New Hampshire | $1,816 | $2,827 | $3,648 |
| New Jersey | $1,950 | $3,129 | $4,080 |
| New Mexico | $2,045 | $3,040 | $3,140 |
| New York | $1,876 | $2,388 | $3,973 |
| North Carolina | $1,120 | $1,991 | $1,397 |
| North Dakota | $1,621 | $2,465 | $2,859 |
| Ohio | $1,378 | $2,151 | $2,231 |
| Oklahoma | $2,282 | $3,229 | $3,624 |
| Oregon | $2,075 | $2,801 | $3,349 |
| Pennsylvania | $1,741 | $2,506 | $2,990 |
| Rhode Island | $2,861 | $4,264 | $4,759 |
| South Carolina | $1,972 | $2,785 | $3,773 |
| South Dakota | $1,797 | $2,525 | $2,971 |
| Tennessee | $2,117 | $3,104 | $4,040 |
| Texas | $2,086 | $3,034 | $3,742 |
| Utah | $1,753 | $2,533 | $3,487 |
| Vermont | $1,336 | $2,113 | $2,213 |
| Virginia | $1,266 | $1,942 | $1,936 |
| Washington | $1,705 | $2,367 | $2,735 |
| West Virginia | $1,769 | $2,463 | $3,119 |
| Wisconsin | $1,706 | $2,709 | $3,074 |
| Wyoming | $1,583 | $2,293 | $2,432 |
Find Affordable Chrysler Pacifica Insurance Rates
Cheapest Car Insurance Companies For A Chrysler Pacifica
Safeco offers one of the most affordable insurance rates for the 2025 Chrysler Pacifica, with an estimated annual premium of $670, which breaks down to about $56 per month. Nationwide is another great choice, providing a strong mix of value and service at an estimated $650 per year, or roughly $54 each month. Mercury Insurance stands out with a good balance between affordability and coverage quality, offering an annual premium of around $690, translating to about $58 monthly. Erie Insurance, known for its comprehensive coverage options, charges an estimated $710 per year, or about $59 per month. Lastly, GEICO, popular for its straightforward online services and customer satisfaction, comes in with an estimated premium of $730 per year, or about $61 per month.
| Insurance Company | Average Monthly |
| Safeco | $56 |
| Nationwide | $54 |
| Mercury Insurance | $58 |
| Erie Insurance | $59 |
| GEICO | $61 |
Common Chrysler Pacifica Insurance Discounts
Discounts are an excellent way to reduce your car insurance expenses. While specific offers vary between providers, here are some common discounts you might qualify for:
- Multi-policy: Bundling your auto insurance with other policies, such as home insurance, often results in a lower combined rate.
- Pay annually: Paying your premium in full upfront instead of in monthly installments can lead to savings.
- Defensive driving: Completing a certified defensive driving course can make you eligible for reduced rates.
There may be additional discounts available, so it’s a good idea to consult with your insurance agent. They can help identify opportunities to lower your costs based on your qualifications.
Ways To Save On Chrysler Pacifica Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Chrysler Pacifica insurance costs. Traffic violations like speeding tickets or accidents can lead to higher premiums. Drivers with a single ticket typically pay around $90 per month, while those with multiple accidents see an average rate of $114 per month. Avoiding such incidents helps you maintain lower insurance costs.
Mileage also affects insurance rates. Drivers with lower annual mileage are less likely to be involved in accidents, making them a lower risk to insure. For instance, Chrysler Pacifica drivers who travel between 5,000 and 7,500 miles per year pay about $90 per month. Those driving more than 10,000 miles annually pay slightly more, averaging $94 per month.
Compare Chrysler Pacifica To Other Chrysler Models
Looking for other Chrysler model insurance costs?
Our Methodology
Insuranceopedia determined average car insurance costs by analyzing thousands of quotes from top auto insurance companies. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures provided in this guide may vary based on your personal circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Chrysler Pacifica?
Yes, you’ll need to provide proof of insurance before you can drive your Chrysler Pacifica off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company that you’ll be buying the car, rather than opting for insurance through the dealership. This allows you to shop around for better coverage and rates.
How Can You Get The Cheapest Insurance For Your Chrysler Pacifica?
The most effective way to secure the cheapest rates for your Chrysler Pacifica is by shopping around and comparing quotes from various auto insurance providers. Fortunately, Insuranceopedia makes it easy by allowing you to compare quotes from multiple companies directly on our website.
