Over the past year, Jerry has helped 12,143 Mitsubishi drivers find smarter coverage and real savings. By analyzing actual Mitsubishi insurance policies, we know what owners are paying and what you can expect across different coverage levels.

Competitive annual prices for Mitsubishi drivers are currently around:

• $1,040 for basic coverage.

• $2,528 for standard coverage.

• $2,965 for premium coverage.

Your exact rate depends on your location, driving record, and model—whether you drive an Outlander, Mirage, or Eclipse Cross.

On average, Mitsubishi drivers pay between $2,573 and $5,323 per year for full coverage, with an average premium around $4,385. That’s only slightly above the national average of $4,071, thanks to Mitsubishi’s strong safety ratings and modest repair costs.

Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.

Fast track your Mitsubishi insurance with Jerry.

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How much does Mitsubishi insurance cost?

Mitsubishi insurance rates can vary, but Jerry makes it easy to see what real drivers with your model and profile are paying today.

What’s the best insurance for a Mitsubishi?

Mitsubishi vehicles are built for everyday reliability and efficiency. Protecting them takes coverage that keeps pace with your car’s long-term value and dependable performance.

If your Mitsubishi is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.

Here are some of the most common coverage options Mitsubishi drivers choose and why.

See coverage options for your Mitsubishi.

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• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

4 smart ways Mitsubishi drivers can lower insurance costs

Finding the right insurance means balancing cost and coverage. For Mitsubishi owners, that balance depends on your model, budget and how insurers value your car’s reliability and longevity.

Jerry’s experts help Mitsubishi drivers lower premiums without cutting back on the protection their vehicles deserve. Here are our top tips.

Tip 1: Compare quotes before buying

Not every insurer prices Mitsubishi coverage accurately. Some undervalue reliability, while others overestimate repair costs. Comparing quotes before renewal helps you find the right balance.

Here’s where Mitsubishi drivers who saved most often switched last year after comparing rates with Jerry:

Tip 2: Combine discounts for added savings

Many Mitsubishi owners qualify for multiple discounts like multi-policy bundles, safe driver programs or early renewal. But insurers don’t always apply them automatically.

Jerry checks your available options to make sure you’re optimizing your coverage.

Tip 3: Match your coverage to your Mitsubishi

From the Mirage to the Outlander, every Mitsubishi has different coverage needs. Most owners carry more than the state minimum required, opting for full coverage and higher limits on newer models then adjusting deductibles or extras as the car ages.

JERRY EXPERT INSIGHT

Telematics rewards consistent, responsible driving. If you avoid hard stops, keep your speed in check and drive fewer miles, you’ll usually see your habits reflected in a lower rate.

Rebekah B.

General Lines Agent (Florida Property & Casualty)

Jerry Proof: Real Mitsubishi drivers, real savings

See what Mitsubishi owners are saving. Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.

Drive with confidence

Mitsubishi insurance costs can vary, but overpaying doesn’t have to be part of the equation. Whether you drive an Outlander, Mirage or Eclipse Cross, Jerry helps you find coverage that fits your needs, your budget and your lifestyle.

We compare top insurers, uncover discounts and handle renewals. That way, your coverage stays simple, reliable and affordable.

It only takes 2 minutes to sign up at Jerry.

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Expert-driven. Built for you.

Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

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