Best Mitsubishi Car Insurance Quotes (2023)

For over half a century, Mitsubishi has made a trusted range of models which dot our roads and highways. They’re not the most common vehicle you see, nor are they especially scarce. Whether you’re the proud owner of a new Eclipse Cross or if you’ve been commuting in the same trusty old Mirage, chances are you love your ride. Mitsubishi owners are brand-conscious and loyal, but that doesn’t mean sticking with the same insurer that keeps raising rates without end. Finding the right rate nowadays means doing a little shopping plus a little homework.

It’s best to begin the search by gathering as many quotes as you can find. But remember: not all quotes are created equal. Maybe you need liability coverage, full coverage car insurance, or more. Let’s talk through some of the options you might like to consider, and then we’ll see how much you should expect to pay.

Comparing Coverage Options for Your Mitsubishi

Your car is more than a mere automobile. It’s an asset and a valuable one at that. In fact, apart from your home, it’s possibly the next most expensive item you own, meaning insuring it properly is a must. Insurance companies offer many types of car insurance coverage, and you may need some, if not all, of them. Let’s cover a few:

• Liability coverage: Required in most states, liability coverage is the foundation of all car insurance policies. Whether you cause an accident, a pileup, run over a neighbor’s mailbox, or cause injuries to another party, your vehicle’s liability coverage steps in to protect you in some of the most common — and worst — situations.

• Comprehensive car insurance coverage: To protect your asset, comprehensive coverage may very well be a necessity. In today’s economy, windshields commonly run north of $1,000 to replace, and many states waive car insurance deductibles for windshield repair/replacement. Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.

• Collision coverage: Suppose you’ve still got payments to make, whether loan or lease. Comprehensive and collision will be required by your lienholder/lessee in order to protect their investment. If it’s paid off, neither is required, but both are worth looking into. Liability (listed above) pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, but liability does not pay to fix your vehicle in such an instance. Collision coverage is offered as a means of repairing or replacing your vehicle in the event of an at-fault accident. Find the best collision coverage car insurance companies.

• Underinsured coverage: This largely unknown coverage could be a lifesaver under the right circumstances. In many states, the required liability coverage one needs to drive covers far less in property damage than would be necessary to replace your vehicle. For instance, if someone totals your vehicle in a state which requires that they carry only $25,000 in property damage liability, you could be left to pay any remaining costs of replacement in an accident you didn’t cause. Underinsured coverage steps in to make up the difference between the offending driver’s liability limit and the cost of medical/property damage. While many Mitsubishi models don’t exceed the $25,000 mark, accidents involving multi-car pileups can still exacerbate this problem. Find the best uninsured motorist coverage car insurance companies.

• Roadside assistance: This is a relatively cheap option at most insurance companies, but it may help you evade the costliest of claims. Abandoning a vehicle raises the chances of vandalism and theft, so a few extra bucks a year may protect your purchase and give you peace of mind.

Learn more about car insurance requirements here.

Comparing Rates and Coverage Options for Mitsubishis

As a brand, a Mitsubishi driver can expect to pay a little more than average in general maintenance, plus an insurance rate slightly above average. The difference likely won’t be enough to break the bank, but it’ll be noticeable. Still, it’s worth keeping in mind that the vehicle you drive is only a single data point factoring into your cost. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture too. Here’s what you should expect on average on the insurance front:

Coverage options and discounts vary from provider to provider. Compare all the car insurance quotes you can find and look them over thoroughly before you decide. While you’re at it, keep these discounts in mind to lower the insurance cost:

• Vehicle safety: Safety is all the rage these days. Chances are your Mitsubishi comes standard with some of the highest-tech safety features available. Most insurance companies will offer discounts accordingly.

• Anti-theft: If your Mitsubishi model is equipped with anti-theft features, ask your insurance carrier to be sure that you’re seeing those savings.

• Multi-car: If your Lancer has a companion in the garage, quote the other vehicle(s) too. Bundling vehicles with the same company often garners one of the biggest discounts available.

• Multi-line: Whether it’s homeowners, renters, or life insurance, bundling policies of different types will save on each.

• Driver training: Maybe it’s been a while since you’ve taken a driver’s training course. Most insurers offer discounts for taking updated classes, even online.

• Usage-based discounts: Many major insurance companies now offer discounts for drivers who allow monitoring of their driving habits, whether through a device or by downloading and maintaining an app.

Selecting the Best Insurance Company for Your Mitsubishi

Who should you choose to insure your Mitsubishi? In truth, the best may vary from place to place or person to person. While price is naturally a determining factor, it should never be the sole measure. Check around to see who has the best ratings and allow those to factor in. In the meantime, take a look below to see who clocks in with the best rates at the moment.

Average Monthly Full Coverage vs. Liability-Only Coverage Car Insurance Rates by Company

Companies	Full Coverage Car Insurance Rates with a Clean Driving Record	Liability-Only Car Insurance Rates with a Clean Driving Record
USAA	$161	$82
Geico	$179	$91
American Family	$224	$114
Nationwide	$229	$117
State Farm	$235	$120
Average	$260	$133
Progressive	$283	$144
Travelers	$287	$147
Farmers	$288	$147
Allstate	$318	$162
Liberty Mutual	$398	$203

When you need help, who do you trust to address your needs quickly? To help you secure a rental vehicle or help you find the right body shop? Every provider does business differently, so which insurance company is best to insure your Mitsubishi could have more to do with your personality than the fine print of any insurance contract. If you prefer interacting face-to-face, opt for an agent. Captive agents can quote you with a single company, while independent agents (brokers) can quote you from a variety of companies at once, plus, they serve as your face-to-face contact in the event of an emergency, claim, or crisis. Other companies prefer to operate without local agents at all. This may save on expenses, but if you’re an in-person customer, it may not be worth the headache. If, however, you prefer to do your business online or via an app, the reverse could be true.

The Bottom Line on Mitsubishi Car Insurance

In today’s auto market, all claims are costlier than usual and perhaps more expensive than ever. Prices are on the rise, and quality vehicles are becoming scarce. In today’s economy, insurance is about more than simply a bottom line. It’s worth finding an insurer who provides you with the peace of mind you’re paying for. If you’re concerned that your current insurer doesn’t have you covered, do yourself a favor and nab a quote or two.