Chrysler Pacifica Insurance Cost

Full coverage for a Chrysler Pacifica costs about $1,375 a year ($115/month) by our estimate — ▼ −14% versus the average vehicle, ranking 41st cheapest of 310 current models.

Chrysler Pacifica exterior (photo from Wikimedia Commons) — Photo: Mr.choppers, CC BY-SA 3.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Chrysler Pacifica insurance cost at a glance

Full coverage

$1,375

$115/mo · $1,130–$1,625

Minimum liability

$545

$45/mo

Segment

Minivan

Gasoline, Plug-in hybrid

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Chrysler Pacifica.

Estimated Chrysler Pacifica premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$545	$45	$445–$645
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$790	$66	$650–$935
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,375	$115	$1,130–$1,625

What drives the cost of insuring a Chrysler Pacifica

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Chrysler Pacifica's results put our vehicle factor at 0.89× for liability, 0.79× for collision and 0.92× for comprehensive.

HLDI relative insurance losses — Chrysler Pacifica (Very large Minivans)
Coverage	Index	Rating	What it measures
Collision	77	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	93	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	84	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	93	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	86	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	97	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Chrysler Pacifica	77	93	84	93
Chrysler Pacifica 4WD	73	82	86	100
Chrysler Pacifica plug-in hybrid	87	88	101	97

Repair and parts costs: Minivan — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 11 NHTSA recall campaigns and 40 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Chrysler Pacifica trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Pacifica	FWD	3.6L 6-cyl	22
Pacifica AWD	AWD	3.6L 6-cyl	20

Chrysler Pacifica insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	3.6L 6-cyl	AWD, FWD	20–22	$1,375
2026	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	FWD	22–30	$1,350
2025	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	AWD, FWD	20–30	$1,325
2024	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	AWD, FWD	20–30	$1,295
2023	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	AWD, FWD	20–30	$1,270
2022	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	AWD, FWD	20–30	$1,245
2021	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	AWD, FWD	20–30	$1,220
2020	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	AWD, FWD	20–30	$1,190
2019	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	FWD	22–30	$1,165
2018	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	FWD	22–32	$1,140
2017	3.6L 6-cyl, 3.6L 6-cyl Plug-in Hybrid	FWD	22–32	$1,115
2008	3.8L 6-cyl, 4.0L 6-cyl	4WD/AWD, FWD	17–18	$1,085
2007	3.8L 6-cyl, 4.0L 6-cyl	4WD/AWD, FWD	17–18	$1,085
2006	3.5L 6-cyl, 3.8L 6-cyl	4WD/AWD, FWD	17–18	$1,085
2005	3.5L 6-cyl, 3.8L 6-cyl	4WD/AWD, FWD	17–18	$1,085

Chrysler Pacifica insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Pacifica page for that state.

State	Full coverage	Minimum	vs. national	Pacifica page
Alabama	$1,195	$425	−13%	Pacifica in AL
Alaska	$1,200	$555	−13%	Pacifica in AK
Arizona	$1,450	$585	+5%	Pacifica in AZ
Arkansas	$1,215	$400	−12%	Pacifica in AR
California	$1,330	$510	−3%	Pacifica in CA
Colorado	$1,585	$580	+15%	Pacifica in CO
Connecticut	$1,455	$630	+6%	Pacifica in CT
Delaware	$1,535	$710	+12%	Pacifica in DE
District of Columbia	$1,725	$660	+25%	Pacifica in DC
Florida	$1,970	$960	+43%	Pacifica in FL
Georgia	$1,705	$775	+24%	Pacifica in GA
Hawaii	$935	$385	−32%	Pacifica in HI
Idaho	$935	$355	−32%	Pacifica in ID
Illinois	$1,190	$440	−13%	Pacifica in IL
Indiana	$980	$360	−29%	Pacifica in IN
Iowa	$950	$275	−31%	Pacifica in IA
Kansas	$1,115	$360	−19%	Pacifica in KS
Kentucky	$1,160	$470	−16%	Pacifica in KY
Louisiana	$1,910	$705	+39%	Pacifica in LA
Maine	$875	$375	−36%	Pacifica in ME
Maryland	$1,540	$670	+12%	Pacifica in MD
Massachusetts	$1,340	$525	−3%	Pacifica in MA
Michigan	$1,490	$680	+8%	Pacifica in MI
Minnesota	$1,160	$415	−16%	Pacifica in MN
Mississippi	$1,325	$470	−4%	Pacifica in MS
Missouri	$1,260	$455	−8%	Pacifica in MO
Montana	$1,115	$350	−19%	Pacifica in MT
Nebraska	$1,115	$360	−19%	Pacifica in NE
Nevada	$1,575	$770	+15%	Pacifica in NV
New Hampshire	$975	$355	−29%	Pacifica in NH
New Jersey	$1,655	$830	+20%	Pacifica in NJ
New Mexico	$1,240	$460	−10%	Pacifica in NM
New York	$1,845	$825	+34%	Pacifica in NY
North Carolina	$1,020	$400	−26%	Pacifica in NC
North Dakota	$895	$245	−35%	Pacifica in ND
Ohio	$980	$360	−29%	Pacifica in OH
Oklahoma	$1,250	$420	−9%	Pacifica in OK
Oregon	$1,235	$555	−10%	Pacifica in OR
Pennsylvania	$1,200	$380	−13%	Pacifica in PA
Rhode Island	$1,655	$730	+20%	Pacifica in RI
South Carolina	$1,480	$650	+8%	Pacifica in SC
South Dakota	$1,085	$280	−21%	Pacifica in SD
Tennessee	$1,140	$400	−17%	Pacifica in TN
Texas	$1,645	$615	+20%	Pacifica in TX
Utah	$1,250	$580	−9%	Pacifica in UT
Vermont	$890	$280	−35%	Pacifica in VT
Virginia	$1,185	$555	−14%	Pacifica in VA
Washington	$1,195	$525	−13%	Pacifica in WA
West Virginia	$1,155	$385	−16%	Pacifica in WV
Wisconsin	$950	$330	−31%	Pacifica in WI
Wyoming	$1,100	$290	−20%	Pacifica in WY

Chrysler Pacifica insurance by driver profile

Estimated annual Chrysler Pacifica premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,500	$2,175	$3,785	$315
Young adult (22)	$870	$1,265	$2,205	$184
Adult in their 30s	$545	$790	$1,375	$115
Adult in their 50s	$500	$725	$1,265	$105
Senior (72)	$610	$885	$1,540	$128
30s, one at-fault accident	$790	$1,145	$1,995	$166
30s, DUI on record	$1,010	$1,460	$2,545	$212

Chrysler Pacifica vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Chrysler Pacifica	$1,375	77	93	—
Toyota Sienna	$1,590	116	94	Compare
Honda Odyssey	$1,280	80	72	Compare
Dodge Grand Caravan	$1,250	—	—	Compare

Estimate Chrysler Pacifica insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Chrysler models

Voyager $1,395/yr
300 $1,500/yr
200 $1,260/yr
Town and Country $1,135/yr
PT Cruiser $1,190/yr
Sebring $1,255/yr
Aspen $1,280/yr
Crossfire $1,445/yr

All Chrysler insurance costs →

Frequently asked questions

How much is insurance for a Chrysler Pacifica?

We estimate about $1,375 a year ($115 a month) for full coverage and $545 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 14% less than the average vehicle.

Is the Chrysler Pacifica expensive to insure?

HLDI insurance-loss data rates it at 77 for collision and 93 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Chrysler Pacifica?

Maine has the lowest estimate (about $875 a year for full coverage) and Florida the highest (about $1,970).

What is the Chrysler Pacifica's NHTSA safety rating?

The 2026 Chrysler Pacifica earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Chrysler Pacifica cheaper to insure than the Toyota Sienna?

By our estimate the Chrysler Pacifica costs about $1,375 a year versus $1,625 for the Toyota Sienna, making it the cheaper of the two to insure.

How much is Chrysler Pacifica insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,785 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page