Chrysler Pacifica Car Insurance Quotes (2025)
On average, the Chrysler Pacifica costs $131 per month to insure. Its inconsistent reliability means insurance rates tend to be higher than other minivans.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The Chrysler Pacifica replaced the Chrysler Town & Country minivan in 2017. Pacificas cost an average of $91 per month for a liability-only policy, and full-coverage policies cost an average of $171 per month.
The Pacifica can fit up to eight passengers, comes in three different trim levels, and has a hybrid version. It also ranks as the third-best minivan in a Kelley Blue Book 2025 comparison study.[1] But it has stiff competition, and average insurance rates for the Honda Odyssey and Toyota Sienna are lower.
Here’s what you need to know about finding affordable coverage for your Pacifica.
Quick Facts
The National Highway Traffic Safety Administration has issued 31 recalls for the Pacifica related to crash safety.
The 2025 Chrysler Pacifica has a starting manufacturer’s suggested retail price (MSRP) of $44,445.
While USAA is the cheapest average insurer for the Pacifica, GEICO and State Farm rates are comparable.
Cost of Chrysler Pacifica insurance by model year
On average, it costs $131 per month to insure a Pacifica. Liability-only coverage costs an average of $91 per month, and full coverage averages $171 per month. But rates can vary by year, with older models typically being cheaper. USAA offers the cheapest auto insurance policy for Pacificas, and GEICO and State Farm are the next most affordable.
The table below shows how rates vary by model year.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $169 |
| 2024 | $163 |
| 2023 | $163 |
| 2022 | $156 |
| 2021 | $148 |
| 2020 | $144 |
| 2019 | $142 |
| 2018 | $138 |
| 2017 | $135 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Chrysler Pacifica has a starting MSRP between $44,445 and $56,230, depending on the trim and model type.[2] This table shows average monthly car insurance rates for the 2025 Chrysler Pacifica. Keep in mind that new vehicles are often more expensive to insure than used cars.
Insurance CompanyAverage Monthly QuoteUSAA $84 State Farm $100 Allstate $111 GEICO $124 American Family $128 Progressive $149 Nationwide $154 Travelers $163 Farmers $195 Liberty Mutual $246 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Chrysler Pacifica offers four model versions, with current MSRPs ranging from $38,524 to $51,869. The following table lists its average monthly auto insurance quotes. As an Insurance Institute for Highway Safety (IIHS) Top Safety Pick, some insurance companies may offer additional policy discounts for specific safety features included on the 2024 Chrysler Pacifica.[3]
Insurance CompanyAverage Monthly QuoteUSAA $81 State Farm $97 Allstate $108 GEICO $120 American Family $124 Progressive $144 Nationwide $150 Travelers $158 Farmers $189 Liberty Mutual $239 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Chrysler Pacifica has a starting MSRP of $28,033 for the standard model and $41,123 for upgraded models.[4] The table below lists the average monthly insurance rates for the 2023 Pacifica.
Insurance CompanyAverage Monthly QuoteUSAA $81 State Farm $97 Allstate $107 GEICO $119 American Family $124 Progressive $144 Nationwide $149 Travelers $157 Farmers $189 Liberty Mutual $238 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 Pacifica’s starting MSRP ranges from $25,409 to $36,967, depending on the trim level. Below are the average monthly rates for the 2022 Chrysler Pacifica.
Insurance CompanyAverage Monthly QuoteUSAA $78 State Farm $93 Allstate $103 GEICO $114 American Family $118 Progressive $137 Nationwide $143 Travelers $151 Farmers $181 Liberty Mutual $228 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When first introduced, the 2021 Chrysler Pacifica had a starting MSRP of $37,740 — nearly $10,000 more than the 2018 and 2019 models. Policyholders should expect a reasonable difference between average monthly quotes for these models. Compare average quotes for the 2021 Chrysler Pacifica below.
Insurance CompanyAverage Monthly QuoteUSAA $74 State Farm $88 Allstate $98 GEICO $109 American Family $113 Progressive $131 Nationwide $136 Travelers $143 Farmers $172 Liberty Mutual $216 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When new, the 2020 Chrysler Pacifica had an MSRP of $34,990. Now, it has a much more affordable MSRP of $19,843. The average monthly insurance quotes are listed below. Coverage options, deductibles, and discounts may increase or decrease the actual price you pay.
Insurance CompanyAverage Monthly QuoteUSAA $72 State Farm $86 Allstate $95 GEICO $106 American Family $110 Progressive $128 Nationwide $132 Travelers $139 Farmers $167 Liberty Mutual $211 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Chrysler Pacifica had a starting MSRP of $28,390, which was almost identical to the 2018 model’s. Now, it has an MSRP of $11,862. Although the vehicle value is similar, average monthly quotes may be different, as vehicle age also influences average monthly premiums.
Insurance CompanyAverage Monthly QuoteUSAA $71 State Farm $84 Allstate $94 GEICO $104 American Family $108 Progressive $125 Nationwide $130 Travelers $137 Farmers $164 Liberty Mutual $207 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The data below displays the average monthly insurance costs for the 2018 Chrysler Pacifica, which had an MSRP starting at $28,340. Currently, it has a depreciated MSRP of $11,083.
Like the debut model, the 2018 Chrysler Pacifica is also available as a hybrid. Some car insurance companies may offer discounts to policyholders with eco-friendly vehicles.
Insurance CompanyAverage Monthly QuoteUSAA $69 State Farm $82 Allstate $91 GEICO $101 American Family $105 Progressive $122 Nationwide $126 Travelers $133 Farmers $160 Liberty Mutual $201 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Chrysler Pacifica was the newest offering in Chrysler’s line of automobiles, replacing the discontinued Chrysler Town & Country. The base trim model has a current MSRP of $10,976. The average monthly quotes are shown below. Some drivers can save even more by reducing their insurance coverage limits on older vehicles.
Insurance CompanyAverage Monthly QuoteUSAA $67 State Farm $80 Allstate $89 GEICO $99 American Family $103 Progressive $119 Nationwide $124 Travelers $130 Farmers $156 Liberty Mutual $197 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Chrysler insurance by state
Policyholders in different U.S. states may pay substantially different prices for car insurance, even if they own the same Chrysler make and model. Risk factors associated with location — including weather hazards, number of cars on the road, and vandalism rates — influence car insurance premiums.
Notice in the map below that Chrysler owners in states like New York and Maryland pay significantly higher monthly averages than drivers in North Carolina and Wyoming. Alaska and Hawaii are not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $135 |
| Arkansas | $243 |
| Arizona | $165 |
| California | $228 |
| Colorado | $208 |
| Connecticut | $317 |
| Delaware | $233 |
| Florida | $218 |
| Georgia | $236 |
| Iowa | $115 |
| Idaho | $118 |
| Illinois | $161 |
| Indiana | $137 |
| Kansas | $156 |
| Kentucky | $205 |
| Louisiana | $210 |
| Massachusetts | $169 |
| Maryland | $321 |
| Maine | $143 |
| Michigan | $262 |
| Minnesota | $185 |
| Missouri | $183 |
| Mississippi | $197 |
| Montana | $157 |
| North Carolina | $89 |
| North Dakota | $130 |
| Nebraska | $166 |
| New Hampshire | $107 |
| New Jersey | $169 |
| New Mexico | $150 |
| Nevada | $266 |
| New York | $446 |
| Ohio | $122 |
| Oklahoma | $169 |
| Oregon | $152 |
| Pennsylvania | $164 |
| Rhode Island | $140 |
| South Carolina | $255 |
| South Dakota | $122 |
| Tennessee | $142 |
| Texas | $224 |
| Utah | $173 |
| Virginia | $182 |
| Vermont | $144 |
| Washington | $151 |
| Washington D.C. | $326 |
| Wisconsin | $125 |
| West Virginia | $148 |
| Wyoming | $113 |
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How to ensure you have enough coverage on your Chrysler Pacifica
Every state except New Hampshire requires drivers to have a minimum level of liability coverage, but many drivers add optional coverages to their policies for maximum protection. These coverage types include property damage coverage and reimbursements for repairs. Although these coverages initially increase insurance costs, drivers only pay their deductibles when filing claims, which increases their overall savings on vehicle repairs.
These are some coverages to consider for your Pacifica:[5]
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for medical costs and repair costs when an at-fault driver without adequate insurance damages your vehicle and injures you and your passengers. This insurance helps pay for excess expenses that collision and medical payments protection can’t cover.
Collision coverage
Collision insurance applies to damages resulting from your vehicle colliding with another car, a stationary object, flipping over, or driving over a pothole. Before collision coverage pays for your repairs, you’ll first have to pay your deductible. Collision coverage is typically paired with comprehensive coverage to create what’s known as a full-coverage policy.
Comprehensive coverage
Comprehensive insurance applies to damages resulting from instances other than collisions. This includes fire, vandalism, falling objects, theft, natural disasters, and contact with animals. Like collision insurance, you’ll have to meet your deductible before your comprehensive policy pays for repairs.
Gap coverage
Guaranteed asset protection insurance applies to leased or new vehicles purchased with an auto loan. The value of your car depreciates when it leaves the dealership. If the vehicle is in an accident, gap insurance covers the remaining difference between what the vehicle is currently worth and what you owe on the lease or loan.
Roadside assistance coverage
Roadside assistance is an optional additional coverage designed to help you in the event of a breakdown. Coverages vary between insurance companies, though most offer towing, battery jump-starts, lockout service, extraction, flat-tire replacement, and extrication.
Chrysler Pacifica car insurance FAQs
When it comes to family vehicles, the Chrysler Pacifica stands out as a minivan with highly rated safety features and substantial gas mileage on its hybrid variants. Read on to determine if the Chrysler Pacifica is the right vehicle for your needs.
USAA offers the cheapest average Chrysler Pacifica insurance. But USAA insurance is only available to military members and their families. GEICO and State Farm offer comparable average monthly rates with fewer eligibility requirements.
Not particularly. Pacificas tend to fall in the middle of the minivan pack. Compared to the Honda Odyssey and Toyota Sienna, the Chrysler Pacifica is more expensive to insure. But it’s cheaper to insure than the Kia Carnival and Chrysler’s other minivan, the Voyager.
The average insurance premium for a Chrysler Pacifica with liability coverage is $91 per month. The average full-coverage policy costs $171 per month. Keep in mind that location, including ZIP code, model year, and your driving record, will influence your premiums.
The reliability of a Chrysler Pacifica depends greatly on its model year. For example, the 2022 Chrysler Pacifica has five NHTSA recalls, all of which increase the risk of a crash and/or injury from a crash.[6]
Edmunds also reports that multiple model years have occasional clunky or slow shifts and that the quality of the manufacturing is inconsistent. But the 2024 Pacifica is an IIHS Top Safety Pick.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Kelley Blue Book. "Best Minivans."
- Chrysler. "Pacifica."
- Iihs.org. "2024 Chrysler Pacifica."
- Kelley Blue Book. "Chrysler Pacifica."
- III. "Auto insurance basics—understanding your coverage."
- Consumerreports.org. "Chrysler Pacfica."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.