The Chrysler Pacifica is a three-row minivan that provides ample cabin space for friends and family during long trips. The Pacifica is available in two forms: a standard combustion-powered model and a plug-in hybrid. No matter what type of Pacifica you drive, it needs to be protected with the right car insurance.
When you're ready to shop for Chrysler Pacifica insurance, a local independent insurance agent can help you find the best coverage. They know where to find quality, yet affordable, Chrysler insurance near you. But first, here's a breakdown of Chrysler Pacifica insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Chrysler Pacifica Car Insurance
Chrysler Pacifica insurance costs an average of $1,200 per year, or approximately $100 per month, for full coverage in 2026.
Chrysler Pacifica insurance rates vary widely by state, with good drivers in Michigan paying an average of $3,899 per month for full coverage, while those in Hawaii pay only $854.
Nationwide, Progressive, and American Family are the cheapest carriers for model-year 2025 Chrysler Pacifica insurance this year.
The 2017 Pacifica is the cheapest model year to insure of those we compared, with an average of only $576 per year for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chrysler Pacifica model.
What Is Chrysler Pacifica Insurance?
Chrysler Pacifica insurance is a type of car insurance policy that includes custom coverage tailored to protect your unique vehicle. As a minivan, the Pacifica can likely be covered sufficiently by a standard auto insurance package. Its average insurance rates also tend to be affordable when compared to other vehicles.
Recommended coverage options for Chrysler Pacifica drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Chrysler Pacifica:
- Gap insurance: If you have a new or financed Chrysler vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chrysler parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Chrysler warranty insurance: This can extend Chrysler's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
You're required by law to carry certain types of auto insurance in most states. A local independent insurance agent can help you satisfy your state's car insurance requirements for your Chrysler Pacifica.
How Much Does Chrysler Pacifica Insurance Cost?
Car insurance for a Chrysler Pacifica costs an average of $1,200 per year, or approximately $100 per month for full coverage. In addition to the vehicle's make and model, multiple factors can impact the cost of Chrysler insurance premiums, such as:
- Your driving record
- The coverage you select
- The deductible you choose
- Your age and gender
- Your credit score (where allowed)
- Your location
- Your marital status
An independent insurance agent can help you find affordable Chrysler Pacifica insurance near you.
Is the Chrysler Pacifica Expensive to Insure?
No, the Chrysler Pacifica is not expensive to insure compared to other vehicles, including other minivans. The table below compares the average monthly premium for the Pacifica against other vehicles.
| Vehicle | Average Monthly Cost of Full Coverage |
| Chrysler Pacifica | $120 |
| Chrysler Vehicles | $170 |
| Other Vehicles | $175 |
Chrysler Pacifica Insurance Costs by Model Year
Next, we'll break down several model years of the Chrysler Pacifica and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Chrysler Pacifica | $1,698 |
| 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 |
Cheapest Chrysler Pacifica Car Insurance Companies for 2026
You can find affordable Pacifica coverage from many different carriers when you know where to look. These top-rated car insurance companies provide the cheapest 2025 Chrysler Pacifica insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $1,544 |
| Progressive | $1,691 |
| American Family | $1,755 |
| USAA | $1,923 |
| Erie | $2,339 |
| Allstate | $3,746 |
Chrysler Pacifica Car Insurance Rates by State and Driver Profile
Your location can have a major effect on car insurance costs, as can your driving record and even your credit. Here are some average Chrysler Pacifica car insurance rates by state for 2026.
| State | Clean Record | Accident on Record | 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 |
Average Chrysler Pacifica Insurance Rates by Age and Driver Profile
Teens and young drivers typically pay the most for car insurance, while adults pay the least until they reach their senior years, when rates begin to climb again. Here are some average Chrysler insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,174 | $9,057 | $10,565 |
| 20 | $4,725 | $6,960 | $8,180 |
| 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 |
Best Chrysler Pacifica Insurance Discounts: How to Lower Your Chrysler Pacifica Insurance Premiums
Reducing your Chrysler Pacifica car insurance premiums can be easy when you follow any of these simple steps:
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chrysler Pacifica insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Chrysler Pacifica insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or Chrysler may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Chrysler Pacifica insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
A local independent insurance agent can help you find the cheapest Chrysler Pacifica insurance. They can also help you drop your premium rates as much as possible by following tips like these.
An Independent Insurance Agent Can Help You Get the Best Chrysler Pacifica Insurance Quotes
When it's time to find the most affordable Chrysler Pacifica insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Chrysler Pacifica insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Chrysler Pacifica Insurance
How much does Chrysler Pacifica insurance cost per year?
The average annual cost of full coverage for a Chrysler Pacifica is $1,200 per year, or approximately $100 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Chrysler Pacifica insurance premiums?
Having past claims on your record, traffic violations, or poor credit can all increase the cost of Chrysler Pacifica insurance.
Is the Chrysler Pacifica expensive to insure?
No, the Chrysler Pacifica isn't expensive to insure compared to other Chrysler vehicles and most cars in general.
What are the best and cheapest carriers for Chrysler Pacifica insurance in 2026?
We found that Nationwide, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Chrysler Pacifica insurance this year.
How can I get cheaper Chrysler Pacifica insurance?
Finding cheaper Chrysler Pacifica insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/chrysler-pacifica-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/chrysler/pacifica/