Car insurance for Chrysler

1
Dana Neibert/Getty Images

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Car insurance is legally required in almost every state if you own a registered vehicle. Without car insurance, you can face legal consequences, like suspended driving privileges and a hefty fine. Every driver pays a different car insurance rate, as premiums are based on personalized factors, like your age, credit score and state.

In addition to these factors, your vehicle’s make and model will also affect the amount you pay for car insurance. On top of that, car insurance carriers charge different rates for the same car makes and models. If you are in the market for a Chrysler, we found the average cost of car insurance for popular models, including:

  • Chrysler Pacifica
  • Chrysler Voyager
  • Chrysler 300

Car insurance for Chrysler: by model

Based on our sample quotes, the cheapest Chrysler model to insure is the Voyager, with an average full coverage premium of $1,452 per year. The Pacifica is only slightly more expensive, with an average rate of $1,468. If you are looking at the Chrysler 300, however, you could pay a much higher rate. The table below highlights the average annual full coverage insurance premiums for the Pacifica, Voyager and 300:

Chrysler Car Insurance Average annual full coverage premium
Chrysler Pacifica $1,463
Chrysler Voyager $1,452
Chrysler 300 $1,916

Cheapest car insurance companies for Chrysler Pacifica

The Chrysler Pacifica is pretty affordable to insure. Of the companies chosen, Geico offers the cheapest car insurance rate, with an average annual premium of $1,135 for full coverage insurance and $334 for minimum coverage insurance. State Farm is the most expensive Pacifica insurer, with an average annual premium of $1,302 for full coverage insurance and $450 for minimum coverage insurance. The table below highlights the cheapest Chrysler Pacifica insurance from five of the best car insurance companies as chosen by Bankrate:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $334 $1,287
Geico $361 $1,135
State Farm $450 $1,302
Erie $430 $1,286
Amica $396 $1,160

Cheapest car insurance companies for Chrysler Voyager

The Chrysler Voyager, which is the company’s minivan offering, is the cheapest model to insure. Geico offers the most affordable rates, with an average annual premium of $1,174 for full coverage insurance and $363 for minimum coverage insurance. However, USAA and Amica also offer very cheap rates – but USAA only offers coverage to military members, veterans and their families. Remember that you can always switch car insurance companies to get a cheaper premium if you think you can find a better price elsewhere. In the table below, we highlighted some of the cheapest Chrysler auto insurance companies for the Voyager:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $335 $1,186
Geico $363 $1,174
State Farm $446 $1,326
Erie $431 $1,320
Amica $396 $1,190

Cheapest car insurance companies for Chrysler 300

If you have your eye on a Chrysler 300, be prepared to pay more for insurance. Chrysler 300 car insurance is pricier than the other models we reviewed. However, you can find a relatively cheap rate from USAA (if you qualify) and Erie. The most expensive provider is State Farm, with an average full coverage premium of $1,650 per year. Here are the average annual premiums for the Chrysler 300 from five of Bankrate’s top car insurance providers:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $351 $1,278
Geico $382 $1,632
State Farm $478 $1,650
Erie $359 $1,330
Amica $367 $1,478

Other car insurance coverage for Chrysler

Most states require drivers to carry car insurance, and to legally operate your vehicle you must meet your state’s minimum coverage requirements. State minimum coverage, also known as a minimum coverage policy, typically includes personal liability insurance, and personal injury protection (PIP) if you live in a no-fault state.

However, Chrysler owners can benefit from several other car insurance coverages. For instance, if you lease or finance your Chrysler, having gap insurance can come in handy. If your car gets totaled, gap insurance will pay the difference between your car’s diminished value and the remaining loan balance. Additionally, many drivers opt for a full coverage insurance policy, which include collision and comprehensive insurance to protect your vehicle.

Other options to consider are roadside assistance, which pays for services like towing, fuel delivery and flat tire replacement. You might also look into new car replacement coverage, which will pay for a new vehicle if yours gets totaled, based on the damaged car’s purchase value. Another popular car insurance coverage is accident forgiveness, which will keep your rate from increasing after your first accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • Chrysler Pacifica
  • Chrysler Voyager
  • Chrysler 300

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.