Spend Less on Chrysler Pacifica Insurance: 2025 Guide to Savings

Are car insurance rates for a Chrysler Pacifica expensive?

We looked at average insurance prices from the Touring L model up to the Limited AWD trim to discover how insurance on the Pacifica ranks when compared to other minivans.

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How much is Chrysler Pacifica car insurance?

Ranked second out of four vehicles in the 2024 minivan class, full coverage Chrysler Pacifica car insurance averages around $2,314 a year, or $193 if paid each month.

With the average minivan costing $2,318 a year to insure, the Chrysler Pacifica costs $4 less per year than the segment average.

The following graphic demonstrates how average Pacifica car insurance rates fluctuate depending on driver age and the chosen policy deductibles.

Average 2024 Chrysler Pacifica car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Chrysler Pacifica car insurance premiums for different driver ages and policy deductibles. Updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Chrysler Pacifica. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Chrysler Pacifica Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,908$326
$500$4,646$387
$250$5,426$452
30-Year-Old$1,000$2,062$172
$500$2,472$206
$250$2,902$242
40-Year-Old$1,000$1,934$161
$500$2,314$193
$250$2,708$226
50-Year-Old$1,000$1,722$144
$500$2,048$171
$250$2,388$199
60-Year-Old$1,000$1,612$134
$500$1,916$160
$250$2,236$186

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Chrysler Pacifica. Updated June 27, 2025

Is Pacifica insurance cheaper than other minivans?

The Chrysler Pacifica ranks second out of four comparison vehicles in the midsize minivan class. The Pacifica costs an estimated $2,314 per year for insurance and the category average rate is $2,318 per year, a difference of $4 per year.

When minivan insurance rates are compared, Pacifica insurance costs $176 more per year than the Honda Odyssey, and $108 less than the Kia Carnival.

The table below shows the difference in car insurance rates between the Pacifica and the rest of the minivan class.

Insurance Cost Comparison: Chrysler Pacifica vs Midsize Minivans
Rank Make and Model Annual Premium Difference
1Honda Odyssey$2,138-$176
2Chrysler Pacifica$2,314--
3Toyota Sienna$2,398$84
4Kia Carnival$2,422$108

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

At $2,314 per year, insurance cost for a 2024 Chrysler Pacifica ranks second out of four models in the midsize minivan segment
At $2,314 per year, insurance cost for a 2024 Chrysler Pacifica ranks second out of four models in the midsize minivan segment

You may be wondering where the Dodge Grand Caravan is in this comparison. The table above is for 2024 models only, whereas the Grand Caravan ended production after the 2020 model year.

Does Chrysler Pacifica Hybrid insurance cost more?

The cheapest model of 2024 Chrysler Pacifica to insure is the Touring L at around $2,140 per year. The most expensive model to insure is the Limited AWD at an average of $2,410 per year.

Chrysler Pacifica Hybrid car insurance rates tend toward the higher end of the cost range, with the Hybrid Touring, the Hybrid Touring L, and Hybrid Limited models occupying three of the five most expensive models to insure.

The rate table below shows the difference in the price of car insurance for the different trim levels and packages available for the 2024 Pacifica.

2024 Chrysler Pacifica Insurance Rates by Trim Level
2024 Chrysler Pacifica Trim Level Annual Premium Cost Per Month
Touring L$2,140$178
Touring$2,162$180
Touring L AWD$2,196$183
Hybrid Select$2,308$192
Hybrid Road Tripper$2,338$195
Pinnacle$2,344$195
Hybrid S Appearance$2,344$195
Pinnacle AWD$2,372$198
Limited$2,374$198
Hybrid Premium S Appearance$2,378$198
Hybrid Pinnacle$2,406$201
Limited AWD$2,410$201

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2024 Chrysler Pacifica ranging from the Touring L model at $2,140 per year to the Limited AWD model at $2,410
Insurance cost by trim level for a 2024 Chrysler Pacifica ranging from the Touring L model at $2,140 per year to the Limited AWD model at $2,410

Chrysler Pacifica prior model year car insurance rates

Used vehicles are a great option for many reasons, but one of the main reasons is that insurance costs are cheaper on used models than on new ones in most cases.

In a few circumstances, new models can actually be cheaper than the prior year due to new safety features or a vehicle redesign that keeps occupants safer in an accident.

The following table details average Chrysler Pacifica insurance rates from the 2017 model year up to the current 2024 model.

Chrysler Pacifica Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Chrysler Pacifica$4,646$2,314$1,916
2023 Chrysler Pacifica$4,486$2,232$1,852
2022 Chrysler Pacifica$4,328$2,144$1,780
2021 Chrysler Pacifica$3,964$1,968$1,634
2020 Chrysler Pacifica$3,844$1,908$1,586
2019 Chrysler Pacifica$3,654$1,808$1,506
2018 Chrysler Pacifica$3,278$1,624$1,356
2017 Chrysler Pacifica$3,234$1,604$1,334

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Chrysler Pacifica trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2017 to 2024 Chrysler Pacifica models for drivers age 20, 40 and 60
Average insurance rates for 2017 to 2024 Chrysler Pacifica models for drivers age 20, 40 and 60

Average insurance rates by city and state

Location definitely makes a difference in insurance cost on a Pacifica. It can range from cheaper rates like $2,000 a year in Columbus, OH, or $1,876 in Virginia Beach, VA, to high rates such as $3,060 a year in Miami, FL, and $4,482 in Detroit, MI.

Insurance rates on a Pacifica in some additional locations include San Diego, CA, at $2,580 per year, Baltimore, MD, at $2,868, Colorado Springs, CO, averaging $2,704, and Kansas City, MO, costing $2,788.

The bar chart below ranks average Chrysler Pacifica insurance premiums in the most populated metro areas in America.

Average car insurance rates for a 2024 Chrysler Pacifica in larger U.S. cities.
Figure 2: Average car insurance rates for a 2024 Chrysler Pacifica in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2024 Chrysler Pacifica assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Chrysler Pacifica Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,758$313
Philadelphia, PA$3,418$285
Las Vegas, NV$3,410$284
Los Angeles, CA$3,400$283
San Francisco, CA$3,042$254
Kansas City, MO$2,788$232
Oklahoma City, OK$2,788$232
Denver, CO$2,744$229
Memphis, TN$2,744$229
Atlanta, GA$2,722$227
San Jose, CA$2,664$222
Phoenix, AZ$2,612$218
Portland, OR$2,590$216
San Diego, CA$2,580$215
Boston, MA$2,572$214
Chicago, IL$2,516$210
Dallas, TX$2,490$208
Houston, TX$2,480$207
Seattle, WA$2,476$206
Jacksonville, FL$2,426$202
Nashville, TN$2,410$201
Milwaukee, WI$2,400$200
Albuquerque, NM$2,368$197
San Antonio, TX$2,318$193
Omaha, NE$2,274$190
Fort Worth, TX$2,266$189
Austin, TX$2,246$187
Indianapolis, IN$2,110$176
Columbus, OH$2,000$167
Charlotte, NC$1,944$162

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Chrysler Pacifica and all Zip Codes in each city. Updated June 27, 2025

Taking a wider perspective, states like Virginia ($1,868), Maine ($1,760), and Iowa ($1,876) have the cheapest car insurance rates, while states like Florida ($2,724), Michigan ($2,824), and New York ($2,718) have more expensive Pacifica insurance rates.

Insurance rates in most states tend toward the middle, with states like Tennessee, Missouri, and Minnesota included in this group with average Chrysler Pacifica insurance rates of $2,362, $2,666, and $2,200 per year, respectively.

2024 Chrysler Pacifica Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,274$190
Alaska$2,026$169
Arizona$2,304$192
Arkansas$2,528$211
California$2,806$234
Colorado$2,570$214
Connecticut$2,642$220
Delaware$2,682$224
Florida$2,724$227
Georgia$2,482$207
Hawaii$1,898$158
Idaho$1,954$163
Illinois$2,232$186
Indiana$2,010$168
Iowa$1,876$156
Kansas$2,420$202
Kentucky$2,570$214
Louisiana$2,628$219
Maine$1,760$147
Maryland$2,324$194
Massachusetts$2,600$217
Michigan$2,824$235
Minnesota$2,200$183
Mississippi$2,402$200
Missouri$2,666$222
Montana$2,304$192
Nebraska$2,162$180
Nevada$2,784$232
New Hampshire$1,876$156
New Jersey$2,808$234
New Mexico$2,140$178
New York$2,718$227
North Carolina$1,798$150
North Dakota$2,152$179
Ohio$1,924$160
Oklahoma$2,624$219
Oregon$2,332$194
Pennsylvania$2,376$198
Rhode Island$2,858$238
South Carolina$2,166$181
South Dakota$2,492$208
Tennessee$2,362$197
Texas$2,324$194
Utah$2,232$186
Vermont$1,976$165
Virginia$1,868$156
Washington$2,276$190
West Virginia$2,260$188
Wisconsin$1,956$163
Wyoming$2,254$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025

Average annual premium and cost per month to insure a 2024 Chrysler Pacifica in all 50 U.S. States
Average annual premium and cost per month to insure a 2024 Chrysler Pacifica in all 50 U.S. States