Why is minivan insurance cheaper than SUV insurance?
Minivan insurance costs less than SUV insurance. Full coverage runs $1,800 per year on average for minivans. SUVs cost $2,200 or more each year.
Minivans earn top safety scores. The 2023 Chrysler Pacifica gets perfect crash ratings from experts. Safe vehicles face lower accident risks. Insurers charge less for them.
Minivans cost less to repair after crashes. They use basic parts and designs. SUV repairs cost 20% more. Complex parts and large sizes drive up SUV bills.
Families drive minivans. Parents take extra care with kids aboard. Young drivers skip minivans. Minivan owners file fewer claims. Low-risk drivers pay lower rates.
Minivans weigh less than large SUVs. They cause less damage in wrecks. Heavy SUVs hit harder. This boosts their insurance costs.
Chrysler Pacifica owners pay about $2,000 per year for full coverage. Rates stay close to this average in most areas. Local traffic affects costs a bit.
Key cost facts:
| Vehicle Type | Avg Full Coverage Yearly | Main Reason |
|---|---|---|
| Minivan | $1,800 | Safety, families |
| Compact SUV | $2,100 | Higher repairs |
| Full SUV | $2,400+ | Size, damage |
Minivans save on gas too. They get 20-25 MPG. SUVs average 18-22 MPG. Lower fuel bills add value over time.
Shop smart for rates:
- Get quotes from three insurers now.
- Enter your 2023 Pacifica details and driving record.
- Choose full coverage if you finance the van.
- Ask for safe driving or family discounts.
Use Sidekick to track insurance, fuel, and repair costs for your Pacifica.