Best Chrysler Pacifica Car Insurance in 2026 (Find the Top 10 Companies Here)

When looking for the best Chrysler Pacifica car insurance, State Farm, Geico, and USAA offer rates starting at $46 per month. State Farm is the top pick overall for its exceptional coverage and competitive pricing.

The article also delves into how to compare car insurance by coverage type. Understanding the distinctions between comprehensive, collision, and liability coverage can help you make more informed decisions. Discover how different coverage options affect your overall insurance costs and find the best fit for your Chrysler Pacifica.

Our Top 10 Company Picks: Best Chrysler Pacifica Car Insurance

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#1 – State Farm: Top Pick Overall

Pros

• Multi-Vehicle Discount: Insuring multiple vehicles with State Farm, including the Chrysler Pacifica, can lead to substantial savings, making it a cost-effective option for families. Further details can be found in our State Farm car insurance review.
• New Car Replacement: State Farm offers new car replacement coverage for total losses, which is beneficial for newer Chrysler Pacifica owners looking to replace their vehicle without financial loss.
• Advanced Digital Services: State Farm’s intuitive mobile app and online services streamline the management of your Chrysler Pacifica insurance policy, allowing for easy claims processing and policy adjustments.

Cons

• Premium Costs: Averaging $160 per month, State Farm’s insurance rates for the Chrysler Pacifica tend to be on the higher side, which could be less ideal for budget-conscious drivers.
• Limited Customization: Some Chrysler Pacifica owners may find that State Farm’s coverage plans are less adaptable to individual needs compared to other insurers, which could limit options for personalized insurance.

#2 – Geico: Best for Military Savings

Pros

• 24/7 Customer Support: Geico offers around-the-clock customer service, ensuring that Chrysler Pacifica owners can get assistance whenever they need it, no matter the time of day. Learn more in our Geico car insurance review.
• Strong Financial Stability: Geico’s solid financial standing ensures that Chrysler Pacifica owners can rely on prompt claims payouts and long-term policy security.
• Efficient Claims Process: Geico is known for its fast and straightforward claims process, which can be a significant advantage for Chrysler Pacifica owners needing quick resolutions after an accident.

Cons

• Service Experience: Some Chrysler Pacifica owners report that Geico’s customer service can be average, which might not meet the expectations of those who prioritize high-quality service.
• Higher Rates for High-Risk Drivers: Chrysler Pacifica owners with poor driving records might face higher premiums with Geico, making it less affordable for those with previous traffic violations or accidents.

#3 – USAA: Best for Online App

Pros

• SafePilot Telematics Program: USAA’s SafePilot program rewards Chrysler Pacifica drivers for safe driving habits, potentially leading to lower premiums through telematics-based monitoring.
• Exceptional Customer Service: USAA is known for its excellent customer service, offering Chrysler Pacifica owners responsive support and smooth claims handling.
• Generous Discount Programs: USAA offers numerous discounts, such as those for safe driving, bundling policies, and vehicle storage, helping Chrysler Pacifica owners reduce their premiums. Learn more in our USAA car insurance review.

Cons

• Membership Eligibility: USAA’s services are exclusive to military members and their families, limiting access for other Chrysler Pacifica owners.
• Limited Physical Presence: With fewer physical locations, some Chrysler Pacifica owners might find it challenging to receive in-person support from USAA.

#4 – Allstate: Best for Add-on Coverages

Pros

• Cost-Effective Insurance: Allstate offers Chrysler Pacifica insurance at a competitive rate of $141 per month, making it an appealing option for budget-conscious drivers.
• Vanishing Deductible: In Allstate car insurance review, Allstate’s vanishing deductible feature rewards Chrysler Pacifica drivers with reduced deductibles for each year of accident-free driving, helping to lower out-of-pocket costs.
• Safe Driving Bonus: Allstate offers a safe driving bonus, rewarding Chrysler Pacifica owners for maintaining a clean driving record, which can lead to additional savings on premiums.

Cons

• Mixed Customer Feedback: Some Chrysler Pacifica owners have reported inconsistent experiences with Allstate’s customer service, which might be a concern for those seeking reliable support.
• Claims Processing Speed: The time it takes for Allstate to process claims can sometimes be slower compared to other insurance providers, which might cause delays for Chrysler Pacifica owners needing quick resolutions.

#5 – Progressive: Best for Innovative Programs

Pros

• Innovative Driver-Based Discounts: Progressive’s Snapshot program rewards Chrysler Pacifica owners with discounts based on their driving habits, offering a way to lower premiums through safe driving.
• Extensive Protection Plans: Progressive offers a variety of protection plans for the Chrysler Pacifica, including options for liability, collision, and more specialized coverages, allowing for customizable insurance solutions.
• Streamlined Digital Management: Progressive’s online tools and mobile app make it easy for Chrysler Pacifica owners to manage their policies, from filing claims to adjusting coverage. Learn more details in our Progressive car insurance review.

Cons

• Higher Costs for Additional Coverage: Adding extra coverage options or endorsements to a Progressive policy can lead to increased overall costs for Chrysler Pacifica owners.
• Inconsistent Customer Support: Some Chrysler Pacifica owners have experienced variability in customer service with Progressive, which could be a concern for those seeking consistent support.

#6 – Liberty Mutual: Best for Customizable Polices

Pros

• Customer Loyalty Discounts: Long-term customers with Liberty Mutual may benefit from loyalty discounts, rewarding Chrysler Pacifica drivers for staying with the company over time.
• Enhanced Car Replacement Option: Liberty Mutual’s better car replacement policy provides an upgraded vehicle one model year newer if the Chrysler Pacifica is totaled, offering additional peace of mind.
• Flexible Payment Plans: Liberty Mutual offers various payment plan options, including monthly, quarterly, and annual payments, accommodating different budgeting preferences for Chrysler Pacifica owners. Learn more in our Liberty Mutual car insurance review.

Cons

• Pricey Insurance Packages: Liberty Mutual’s rates for Chrysler Pacifica insurance, at $196 per month, could be on the higher side compared to some other providers.
• High Deductibles: Liberty Mutual’s deductible options may be higher compared to some other insurers, potentially increasing out-of-pocket costs for Chrysler Pacifica owners in the event of a claim.

#7 – Travelers: Best for Usage Discount

Pros

• Enhanced Rental Car Coverage: Travelers provides strong rental car coverage, ensuring that Chrysler Pacifica owners are protected when renting vehicles during repairs or while traveling.
• Gap Insurance Availability: Travelers offers gap insurance to cover the difference between the vehicle’s value and the amount owed on a loan or lease, which can be valuable for Chrysler Pacifica owners.
• Discounts for Multiple Vehicles: Chrysler Pacifica owners with multiple vehicles can take advantage of Travelers’ multi-car discounts, potentially reducing overall insurance costs. See more details in our Travelers car insurance review.

Cons

• Above Average Pricing: Travelers’ insurance costs for the Chrysler Pacifica, at $294 per month, might not suit all drivers, especially those focused on lower-cost options.
• Slower Claims Processing: Some Chrysler Pacifica owners have experienced slower claims processing with Travelers, which could lead to delays during the claims resolution process.

#8 – Nationwide: Best for Accident Forgiveness

Pros

• Decreasing Deductible Program: Nationwide’s vanishing deductible feature reward safe driving by gradually lowering the deductible for Chrysler Pacifica owners. Check out their discounts in our complete Nationwide car insurance discount.
• Good Driver Discounts: Chrysler Pacifica owners with a clean driving record can benefit from Nationwide’s good driver discounts, which can lower overall premiums.
• Personalized Coverage Assistance: Nationwide’s On Your Side Review ensures that Chrysler Pacifica owners receive tailored coverage recommendations and maximize available discounts, enhancing policy effectiveness.

Cons

• Inconsistent Discount Application: Chrysler Pacifica owners may find that discounts are not always applied consistently, leading to confusion about their premium costs.
• Limited Customization for High-Risk Drivers: Coverage options might be less flexible for high-risk drivers, which could affect affordability for some Chrysler Pacifica owners.

#9 – Farmers: Best for Local Agents

Pros

• Wide Range of Coverage Plans: Farmers offers comprehensive coverage options for the Chrysler Pacifica, from basic liability to full coverage, ensuring extensive protection.
• Signal App Savings: The Signal app allows Chrysler Pacifica owners to monitor their driving habits and earn discounts for safe driving, reducing overall insurance costs. Learn more in our Farmers car insurance review.
• Local Agent Accessibility: Farmers’ extensive local representatives offer personalized assistance and support to Chrysler Pacifica owners, ensuring tailored service and advice.

Cons

• Complex Policy Structure: The extensive range of coverage options and add-ons may be overwhelming, making it challenging for Chrysler Pacifica owners to select the optimal policy.
• Higher Premiums for Certain Coverage Types: While offering extensive coverage options, Farmers’ premiums for higher levels of coverage or additional add-ons may be on the pricier side for Chrysler Pacifica owners.

#10 – AAA: Best for Custom Plan

Pros

• Extensive Roadside Assistance: AAA includes reliable roadside assistance in their Chrysler Pacifica insurance plans, offering peace of mind for drivers in case of emergencies or breakdowns.
• Member-Only Perks: According to the AAA car insurance review, membership grants Chrysler Pacifica drivers access to an array of distinctive advantages, including travel discounts and special promotions.
• Diverse Coverage Options: AAA offers a wide selection of coverage plans tailored to meet the specific needs of Chrysler Pacifica drivers, ensuring ample protection for different scenarios.

Cons

• Costly Insurance Plans: With rates at $243 per month, AAA’s insurance for the Chrysler Pacifica may not be the most budget-friendly option for every customer.
• Membership Requirement: To access AAA insurance, Chrysler Pacifica owners must be members, which involves an additional cost and commitment.

Chrysler Pacifica Insurance Cost

Selecting the right Chrysler Pacifica insurance company will define the amount, as well as the quality of the insurance policy. This means that as you compare the rates, you should also compare the benefits in order to determine the correct choice depending on our needs and pockets.

Chrysler Pacifica Car Insurance Monthly Rates by Coverage Level & Provider

The table below shows the cost of insurance of Chrysler Pacifica with insurance quotes of other vans namely Honda Odyssey, Kia Sedona, and Dodge Grand Caravan.

Chrysler Pacifica Car Insurance Monthly Rates vs. Other Cars by Coverage Type

The Chrysler Pacifica tends to have higher insurance costs compared to other vans due to its comprehensive and liability rates. Evaluating these factors can help you better understand and manage your insurance expenses.

Read More: Best Honda Car Insurance Rates

Information on how factors determine Chrysler Pacifica insurance premiums may help you when compiling your quotation. Read on to discover how your car insurance deductibles, as well as your driver profile and other factors, can help you understand the best coverage for you at the least cost.

The Leaders in Chrysler Pacifica Insurance

Here are the top Chrysler Pacifica insurance companies, listed by market share, though rates will vary. For Chrysler Pacifica, many of these companies offer security system and other safety features car insurance discounts.

Top Chrysler Pacifica Car Insurance Companies by Market Share

Compare free Chrysler Pacifica insurance quotes online. You can start comparing quotes for Chrysler Pacifica car insurance rates from some of the best car insurance companies by using our free online tool now.

Factors That Impact the Cost of Chrysler Pacifica Insurance

Factors that affect car insurance rates of Chrysler Pacifica insurance, including the specific trim and model you select. Higher trims or newer models with advanced technology and safety features often come with higher insurance premiums due to their increased repair costs and value.

Insurance providers also consider factors such as the frequency of claims and the overall safety ratings of the Chrysler Pacifica when determining rates. Finally, your personal driving habits and any applicable discounts can further adjust your insurance costs.

Your age, the age of the vehicle, your driving history, and your location can have an impact on your insurance rates.

Age of the Vehicle

As for the new Chrysler Pacifica insurance rates, older models are less expensive to insure in general. Example: 2020 Chrysler Pacifica car insurance is more expensive than 2017 model.

Chrysler Pacifica Car Insurance Monthly Rates by Model Year & Coverage Type

Keep in mind, there may be times when a newer model is cheaper because insurers offer automated discounts for certain safety features. Generally speaking, though, as the replacement cost of the vehicle drops, so do your premiums.

Driver Age

The age of the driver also plays a big factor when it comes to the cost of Chrysler Pacifica car insurance. For instance, a driver of 20 years could be charged $136 more monthly to insure their Chrysler Pacifica as compared to the driver of 30 years.

Chrysler Pacifica Car Insurance Monthly Rates by Age

Teen drivers pay the most. Every few years, you get an improved rating, assuming you also have a clean driving record.

Driver Location

Moving can affect Chrysler Pacifica insurance rates. Drivers in Los Angeles may pay $61 more than drivers in Phoenix, as an example of such disparities.

Chrysler Pacifica Car Insurance Monthly Rates by City

The big question insurance companies are always asking is simple: will it increase your risk of filing a claim? If the answer is yes, your insurance rates will go up for auto insurance.

Your Driving Record

If you’ve maintained a clean driving record for a few years, your current insurance company may offer financial safety in the form of accident forgiveness. Keep in mind, accident forgiveness does not transfer between insurers, and it only applies once.

Chrysler Pacifica Car Insurance Monthly Rates by Age & Driving Record

A good driving record can get you discounts on your Chrysler Pacifica’s insurance. It can also help you decide when to combine your policy with another household member and when to keep them separate.

Safety Ratings

Your Chrysler Pacifica auto insurance rates are tied to the Chrysler Pacifica’s safety ratings. See the breakdown below:

Chrysler Pacifica Safety Ratings

The Chrysler Pacifica’s strong safety ratings contribute to more favorable insurance rates. With mostly “Good” ratings across various crash tests, this minivan is considered a safe and reliable choice for families.

Crash Test Ratings

If the Chrysler Pacifica crash test ratings are good, you could have lower Chrysler Pacifica car insurance rates. See Chrysler Pacifica crash test results below:

Chrysler Pacific Crash Test Ratings

The Chrysler Pacifica’s excellent crash test ratings, particularly in frontal and side impacts, often result in lower insurance premiums. Its strong performance in safety tests underscores its value as a secure choice for families.

Chrysler Pacifica Safety Features

The more safety features you have on your Chrysler Pacifica, the more likely it is that you can earn a discount. The Chrysler Pacifica’s safety features include:

• Comprehensive Air bag System: Includes driver, passenger, front head, rear head, and front side air bags for enhanced safety.
• Advanced Braking System: Features 4-wheel ABS, 4-wheel disc brakes, and brake assist for optimal stopping power.
• Enhanced Stability and Traction: Equipped with electronic stability control and traction control to maintain vehicle control.
• Safety Alerts and Assistance: Includes blind spot monitor, lane departure warning, and lane keeping assist for improved driver awareness.
• Additional Safety Features: Daytime running lights and child safety locks to ensure visibility and child protection.

With these advanced safety features, the Chrysler Pacifica offers robust protection for you and your passengers. Investing in a Pacifica can also make you eligible for insurance discounts, thanks to its comprehensive safety systems.

Lowering Your Chrysler Pacifica Insurance Costs

There are many ways that you can save on Chrysler Pacifica car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Chrysler Pacifica car insurance rates low.

• Pay your Chrysler Pacifica insurance upfront.
• Ask for a Chrysler Pacifica discount if you have college degree or higher.
• Wait six years for accidents to disappear from your record.
• Install an aftermarket anti-theft device for your Chrysler Pacifica.
• Move to the countryside.

Read More: Anti-Theft Car Insurance Discounts

By exploring these strategies, you can significantly reduce your Chrysler Pacifica insurance costs and get the most value from your policy. Be proactive and take advantage of discounts and options to lower your premiums effectively.

 

Through the following best insurance discounts for Chrysler Pacifica, car owners can find good chances to reduce their expenses but still guaranteeing ample protection and safety on the road. There is also a possibility of qualifying for a multi-policy discount if you combine your policies to get extra insurance savings.

Additionally, the advanced safety features of the Pacifica may qualify you for additional discounts, making it an economical choice. Ensure you explore all available discounts to maximize your savings while enjoying peace of mind on every journey.

Financing Chrysler Pacifica

If you are financing a Chrysler Pacifica, you will pay more if you purchase Chrysler Pacifica car insurance at the dealership.

Be sure to shop around and compare Chrysler Pacifica car insurance quotes from the best companies using our free tool below. Compare U.S. car insurance rates to find the best coverage for your needs and budget.