How much is insurance on a Chrysler Pacifica?
A 2024 Chrysler Pacifica runs about $1,820 a year for a typical 45-year-old, $120 less than an average car of the same age, because of lower crash-repair losses, less damage to others' property, lower non-crash losses, and fewer injury claims. Putting a new 16-year-old on a family policy with the Pacifica adds about $1,200 a year (#2 of 4 very large minivans we compare).
2024 Chrysler Pacifica (Pacifica), national average
about $1,820 a year (about $150 a month)
Estimated range: $1,350–$2,450. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2006 Pacifica drops to about $1,470 (see the table below).
Priced for the 2024 Pacifica, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Pacifica's rank is the same in every state.
Why the Chrysler Pacifica costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Chrysler Pacifica, on HLDI's scale where 100 is an average car and lower is better, it reports 77 for crash repairs, 93 for non-crash damage, 84 for damage to others' property, and 93 for injury claims.
- Crash repairs (collision)fixing this car after a crashBetter than average23% better than averagebest of the 4 very large minivans we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage7% better than average2nd best of the 4 very large minivans we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage16% better than average2nd best of the 4 very large minivans we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 7% less often than average2nd best of the 4 very large minivans we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Pacifica comes out about 18% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 7% less than average: about $890 a year vs $950. On the liability side, damage to others and injury claims combine to about 11% better than average. We count about half, so that part is about 6% less: $940 a year vs $990.
In EPA size classes, the Pacifica is a minivan (gas-powered). In Highway Loss Data Institute loss tables, the Chrysler Pacifica is benchmarked against very large minivans.
Matched to HLDI series “Chrysler Pacifica” (HLDI, 2022–24 models).
A used Chrysler Pacifica, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Pacifica (0–3 years old) | about $1,820 | about $940 | +$1,200 | about $5,220 |
 2022 Pacifica (4–7 years old) | about $1,710 | about $940 | +$1,130 | about $4,920 |
 2018 Pacifica (8–12 years old) | about $1,620 | about $970 | +$1,070 | about $4,640 |
 2006 Pacifica 2WD (13 or more years old) | about $1,470 | about $930 | +$970 | about $4,210 |
Our catalog covers the Chrysler Pacifica across model years 2006–2009, 2017–2027. Full coverage on a used 2006 Pacifica (13 or more years old) runs about $1,470 a year, $350 less than on a 2024. Dropping collision and comprehensive on that 2006 brings liability-only coverage to about $930 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Chrysler Pacifica trims, full coverage goes from about $1,820 a year on the Pacifica AWD to about $1,890 on the Pacifica Hybrid, because HLDI's loss results differ by body, drive, or powertrain.
- Pacifica AWD; Pacifica: about $1,820
- Pacifica Hybrid: about $1,890
On a policy of their own with a 2024 Chrysler Pacifica, a 22–25-year-old pays about $2,370 a year ($550 more than a 45-year-old), a 26–39-year-old about $2,020, and a driver 65 and older about $1,910.
Adding a 16-year-old with a Chrysler Pacifica
Because the Chrysler Pacifica starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,200 a year ($100 a month), $80 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,220 a year, about $4,020 more than sharing the family policy.
For adding a teen driver, the Chrysler Pacifica ranks 34th cheapest out of all 121 models we track. Stepping down to a used 2006 Pacifica (13 or more years old) brings the teen add-on to about $970 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar very large minivans
Among these 4 very large minivans, the Chrysler Pacifica is the 2nd least expensive to insure. Right next to it are the Honda Odyssey (about $1,730 a year) and the Kia Carnival (about $1,890).
2024 Honda Odysseyabout $1,730 ($90 less)- 2024 Chrysler Pacificaabout $1,820 (this car)
2024 Kia Carnivalabout $1,890 ($70 more)
2024 Toyota Siennaabout $2,020 ($200 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Chrysler Pacifica costs in your state
In six sample states, a 2024 Chrysler Pacifica runs from about $1,260 a year in Hawaii through Indiana, Kentucky, Alabama and California to about $2,180 in Texas:
- Hawaiiabout $1,260/yr · +$830 teen
- Indianaabout $1,310/yr · +$860 teen
- Kentuckyabout $1,530/yr · +$1,010 teen
- Alabamaabout $1,610/yr · +$1,060 teen
- Californiaabout $1,790/yr · +$1,180 teen
- Texasabout $2,180/yr · +$1,440 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.