Mitsubishi Lancer Insurance Rates

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UPDATED: Jun 4, 2024

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It might seem like a difficult task when you begin shopping around for Mitsubishi Lancer Evolution insurance rates. You should know that the average Mitsubishi Evo price range comes to $1,598 a year for full insurance coverage.

There are several individual factors that ultimately make up your rate, such as the specific model you drive. For example, Evo 9 insurance costs are different than Mitsubishi Evo 8 insurance rates because there are differences between the two.

We have prepared this in-depth guide to help you as you begin your search for Mitsubishi Lancer Evolution insurance. By reading through it, you will learn helpful information as it pertains to securing a policy that meets your needs and budget.

Take advantage of our free online quote tool to start comparing Lancer Evo insurance rates now.

The average insurance rates for a Mitsubishi Lancer are $1,246 a year for full coverage. Comprehensive costs on average $242, collision costs $382, and liability is estimated at $464. Buying just liability costs approximately $514 a year, with insurance for high-risk drivers costing around $2,692. Teen drivers cost the most to insure at $4,802 a year or more.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Comprehensive $242
Collision $382
Liability $464

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Lancer trim levels.

Price Range Variability

For a driver in their 40's, Mitsubishi Lancer insurance rates go from as low as $514 for basic liability insurance to a much higher rate of $2,692 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,246
High Risk $2,692

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

The examples above show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below shows estimated Mitsubishi Lancer insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $732
  • Choosing higher $1,000 deductibles can save around $142 a year
  • The average rate for a good driver age 40 with $500 deductibles is $1,246
  • Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,518
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,692 or more
  • Policy cost for full coverage for a teen driver with full coverage may cost $4,802 each year

Insurance rates for a Mitsubishi Lancer also range considerably based on your risk profile, the trim level of your Lancer, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Mitsubishi Lancer insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,780 on average in Michigan, Louisiana, and New York.

Mitsubishi Lancer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,126 -$120 -9.6%
Alaska $956 -$290 -23.3%
Arizona $1,034 -$212 -17.0%
Arkansas $1,246 -$0 0.0%
California $1,420 $174 14.0%
Colorado $1,192 -$54 -4.3%
Connecticut $1,282 $36 2.9%
Delaware $1,412 $166 13.3%
Florida $1,558 $312 25.0%
Georgia $1,150 -$96 -7.7%
Hawaii $896 -$350 -28.1%
Idaho $842 -$404 -32.4%
Illinois $928 -$318 -25.5%
Indiana $938 -$308 -24.7%
Iowa $842 -$404 -32.4%
Kansas $1,184 -$62 -5.0%
Kentucky $1,700 $454 36.4%
Louisiana $1,844 $598 48.0%
Maine $770 -$476 -38.2%
Maryland $1,028 -$218 -17.5%
Massachusetts $998 -$248 -19.9%
Michigan $2,164 $918 73.7%
Minnesota $1,042 -$204 -16.4%
Mississippi $1,494 $248 19.9%
Missouri $1,104 -$142 -11.4%
Montana $1,338 $92 7.4%
Nebraska $982 -$264 -21.2%
Nevada $1,494 $248 19.9%
New Hampshire $896 -$350 -28.1%
New Jersey $1,392 $146 11.7%
New Mexico $1,104 -$142 -11.4%
New York $1,312 $66 5.3%
North Carolina $720 -$526 -42.2%
North Dakota $1,020 -$226 -18.1%
Ohio $862 -$384 -30.8%
Oklahoma $1,280 $34 2.7%
Oregon $1,142 -$104 -8.3%
Pennsylvania $1,188 -$58 -4.7%
Rhode Island $1,662 $416 33.4%
South Carolina $1,130 -$116 -9.3%
South Dakota $1,052 -$194 -15.6%
Tennessee $1,092 -$154 -12.4%
Texas $1,504 $258 20.7%
Utah $924 -$322 -25.8%
Vermont $854 -$392 -31.5%
Virginia $746 -$500 -40.1%
Washington $962 -$284 -22.8%
West Virginia $1,142 -$104 -8.3%
Wisconsin $864 -$382 -30.7%
Wyoming $1,112 -$134 -10.8%

Choosing high deductibles can save as much as $420 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Mitsubishi Lancer Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mitsubishi Lancer DE $1,166 $97
Mitsubishi Lancer ES $1,210 $101
Mitsubishi Lancer GTS $1,238 $103
Mitsubishi Lancer Sportback GTS $1,238 $103
Mitsubishi Lancer RALLIART $1,326 $111
Mitsubishi Lancer Sportback Ralliart $1,326 $111

Rates assume 2015 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Mitsubishi Lancer Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Mitsubishi Lancer $268 $442 $460 $1,328
2016 Mitsubishi Lancer $250 $408 $460 $1,276
2015 Mitsubishi Lancer $242 $382 $464 $1,246
2014 Mitsubishi Lancer $236 $356 $474 $1,224
2013 Mitsubishi Lancer $218 $330 $474 $1,180
2012 Mitsubishi Lancer $212 $300 $478 $1,148
2011 Mitsubishi Lancer $198 $274 $474 $1,104
2010 Mitsubishi Lancer $186 $250 $474 $1,068
2009 Mitsubishi Lancer $180 $224 $468 $1,030
2008 Mitsubishi Lancer $178 $218 $460 $1,014
2006 Mitsubishi Lancer $160 $198 $446 $962
2005 Mitsubishi Lancer $154 $188 $442 $942

Rates are averaged for all Mitsubishi Lancer models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Mitsubishi Lancer Insurance

Finding cheaper rates on car insurance takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest time comparing rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a brief review of the car insurance concepts covered in the charts and tables above.

  • Higher risk drivers with DUI or reckless driving convictions will pay on average $1,450 more each year to buy Mitsubishi Lancer insurance
  • Drivers can save as much as $150 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $425 each year
  • Policyholders who require increased levels of liability coverage will pay about $510 each year to raise limits from a 30/60 limit to 250/500 limits

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Mitsubishi Lancer Evolution insurance costs.

If you want to bypass the theoretical part of shopping for insurance, take advantage of our free quote tool below to start comparing quotes from multiple companies right now.

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What are the safety ratings of the Mitsubishi Lancer Evolution?

When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive. They do this in order to determine the risk of injury to you as well as the risk of damage to your Mitsubishi Lancer Evolution.

One way you can end up saving money on Mitsubishi Evo 8 insurance is by pointing to the fact that it received positive crash test results.

Take a look at the following safety ratings of the Mitsubishi Lancer Evolution as determined by the Insurance Institute for Highway Safety (IIHS).

  • Small overlap front (driver-side): Acceptable
  • Small overlap front (passenger-side): N/R
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

As you can see from these results, the Mitsubishi Lancer Evolution received mostly favorable marks in all parts of the vehicle that were tested.

Mitsubishi Lancer Evolution Compared Against Other Vehicles in the Same Class

Classified as a small four-door sedan, the Mitsubishi Lancer Evolution is on the lighter end of the weight spectrum. 

While this may pose some problems because smaller vehicles are widely considered to be more dangerous, your Evo 9 insurance cost can still be affordable if it’s safer than other comparable models.

Take a look at the following small sedans to see how their average insurance rates compare to the Mitsubishi Lancer Evolution.

To this point, we have gone into excessive detail about Mitsubishi Lancer Evo insurance. Do you believe there are any details we might have missed or any topics you want to know more about? If not, be sure to use our free online tool to start comparing Mitsubishi Lancer Evolution insurance quotes from multiple companies today.

Rates by Driver Age

Mitsubishi Lancer Insurance Rates by Driver Age
Driver Age Premium
16 $4,802
20 $2,860
30 $1,284
40 $1,246
50 $1,140
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Mitsubishi Lancer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,518
$250 $1,394
$500 $1,246
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Mitsubishi Lancer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,419
100/300 $1,535
250/500 $1,836
100 CSL $1,465
300 CSL $1,720
500 CSL $1,906

Full coverage, driver age 40

Rates for High Risk Drivers

Mitsubishi Lancer Insurance Rates for High Risk Drivers
Age Premium
16 $6,816
20 $4,556
30 $2,734
40 $2,692
50 $2,570
60 $2,546

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $80
Paid in Full/EFT $52
Advance Quote $59
Online Quote $87
Total Discounts $514
Rate after discounts $732

Discounts are estimated and may not be available from every company or in every state.

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