Chrysler Pacifica Insurance in Virginia
Rates from $31 – $52/mo minimum coverage, $111 – $185/mo full coverage. Compare top VA carriers below.
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Updated June 2026 · Source: Virginia DOI + IQ rate model
Average monthly premium — 2024 Chrysler Pacifica, Virginia
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Chrysler Pacifica drivers in Virginia
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Chrysler Pacifica insurance costs what it does in Virginia
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
Parts cost and claim severity sit near the national average.
Virginia is one of two US states (with New Hampshire) where auto insurance is NOT strictly mandatory — drivers can pay an annual ~$500 uninsured-motor-vehicle fee instead. The voluntary-purchaser pool skews lower-risk, which keeps premiums materially below national average. Northern Virginia / DC suburbs are the cost driver.
Frequently asked questions
01How much is Chrysler Pacifica insurance in Virginia?
Virginia drivers of a 2024 Chrysler Pacifica pay about $111 – $185 per month for full coverage, or roughly $31 – $52 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Pacifica?
Yes. If your Pacifica has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Virginia law itself only requires the state liability minimums (not mandatory ($500 uninsured fee option)), but the lender's contract overrides that.
03What's the cheapest carrier for a Pacifica in Virginia?
Cheapest varies by driver profile, but in Virginia the major carriers most often quoting the lowest premiums for a Pacifica are GEICO, Progressive, and State Farm. Regional carriers (Virginia Farm Bureau and Erie) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is the Pacifica cheaper to insure than an SUV in Virginia?
Usually, yes — modestly. Minivans like the Pacifica are statistically driven by lower-risk families, which lowers liability premiums by 5-10% vs a comparably-sized 3-row SUV. Comprehensive + collision premiums are similar to the SUV equivalent.
05Does Virginia require SR-22 after a DUI for a Pacifica?
After a DUI, Virginia requires an FR-44 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Pacifica typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new FR-44s — Progressive, Travelers, and The General are the most common FR-44 writers.