Mitsubishi Outlander Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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When the time comes to start comparing Mitsubishi Outlander insurance rates, you may not know where to begin. The first thing you should know is that the average Mitsubishi Outlander insurance cost comes to $1,336 a year, which boils down to about $111 per month.

This comprehensive guide will walk you through exactly how insurance rates for the Mitsubishi Outlander are calculated so you can have a firm understanding of what to expect before you start shopping around, whether you’re looking for comprehensive or liability coverage.

When you’re ready, you can start comparing Mitsubishi Outlander insurance quotes from multiple companies by taking advantage of our free online tool.

Average insurance rates for a Mitsubishi Outlander are $1,276 a year for full coverage. Comprehensive costs on average $274 a year, collision costs $502, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing around $2,766. Teen drivers receive the highest rates at $4,736 a year or more.

Average premium for full coverage: $1,276

Rate estimates by individual coverage type:

Comprehensive $274
Collision $502
Liability $364

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Outlander trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $416 for only liability insurance to a high of $2,766 for a high risk driver.

Liability Only $416
Full Coverage $1,276
High Risk $2,766

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $957
Small Cities $1,340
Large Cities $1,723

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $730
  • Drivers who choose higher $1,000 deductibles will pay around $1,100 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,276
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,618
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,766 or more
  • The cost for full coverage for a teen driver may cost $4,736 a year

View Chart as Image

Mitsubishi Outlander insurance cost comparison chart
Column chart showing full coverage Mitsubishi Outlander insurance rates range from $730 to $4,736

for a Mitsubishi Outlander can also vary considerably based on your driver profile, the trim level of your Outlander, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Mitsubishi Outlander insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

Mitsubishi Outlander Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$122 -9.6%
Alaska $978 -$298 -23.4%
Arizona $1,058 -$218 -17.1%
Arkansas $1,276 -$0 0.0%
California $1,454 $178 13.9%
Colorado $1,218 -$58 -4.5%
Connecticut $1,310 $34 2.7%
Delaware $1,442 $166 13.0%
Florida $1,594 $318 24.9%
Georgia $1,182 -$94 -7.4%
Hawaii $916 -$360 -28.2%
Idaho $866 -$410 -32.1%
Illinois $950 -$326 -25.5%
Indiana $962 -$314 -24.6%
Iowa $860 -$416 -32.6%
Kansas $1,210 -$66 -5.2%
Kentucky $1,740 $464 36.4%
Louisiana $1,888 $612 48.0%
Maine $790 -$486 -38.1%
Maryland $1,054 -$222 -17.4%
Massachusetts $1,018 -$258 -20.2%
Michigan $2,216 $940 73.7%
Minnesota $1,070 -$206 -16.1%
Mississippi $1,528 $252 19.7%
Missouri $1,134 -$142 -11.1%
Montana $1,370 $94 7.4%
Nebraska $1,006 -$270 -21.2%
Nevada $1,530 $254 19.9%
New Hampshire $920 -$356 -27.9%
New Jersey $1,426 $150 11.8%
New Mexico $1,128 -$148 -11.6%
New York $1,342 $66 5.2%
North Carolina $734 -$542 -42.5%
North Dakota $1,044 -$232 -18.2%
Ohio $880 -$396 -31.0%
Oklahoma $1,308 $32 2.5%
Oregon $1,170 -$106 -8.3%
Pennsylvania $1,216 -$60 -4.7%
Rhode Island $1,702 $426 33.4%
South Carolina $1,156 -$120 -9.4%
South Dakota $1,078 -$198 -15.5%
Tennessee $1,118 -$158 -12.4%
Texas $1,538 $262 20.5%
Utah $944 -$332 -26.0%
Vermont $872 -$404 -31.7%
Virginia $762 -$514 -40.3%
Washington $986 -$290 -22.7%
West Virginia $1,170 -$106 -8.3%
Wisconsin $882 -$394 -30.9%
Wyoming $1,134 -$142 -11.1%

View Chart as Image

Mitsubishi Outlander insurance rates by U.S. city

Choosing high deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Mitsubishi Outlander Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mitsubishi Outlander ES 2WD $1,196 $100
Mitsubishi Outlander ES 4WD $1,236 $103
Mitsubishi Outlander SE 2WD $1,236 $103
Mitsubishi Outlander SE 2WD $1,236 $103
Mitsubishi Outlander SE 4WD $1,236 $103
Mitsubishi Outlander SE 4WD $1,236 $103
Mitsubishi Outlander XLS 2WD $1,276 $106
Mitsubishi Outlander XLS 4WD $1,316 $110
Mitsubishi Outlander GT-S AWC 4WD $1,328 $111
Mitsubishi Outlander GT-S AWC 4WD $1,328 $111

Rates assume 2019 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 Outlander Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Mitsubishi Outlander $284 $524 $354 $1,298
2019 Mitsubishi Outlander $274 $502 $364 $1,276
2016 Mitsubishi Outlander $240 $424 $388 $1,188
2014 Mitsubishi Outlander $214 $350 $390 $1,090
2009 Mitsubishi Outlander $170 $236 $402 $944
2007 Mitsubishi Outlander $154 $192 $398 $880
2003 Mitsubishi Outlander $132 $162 $376 $806

Rates are averaged for all Mitsubishi Outlander 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 Cheaper Mitsubishi Outlander Insurance

Saving money on Mitsubishi Outlander insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $400 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $395 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,490 more each year for insurance

Now that you have a better understanding of how Mitsubishi Outlander insurance rates are determined, the next step is to compare quotes from different companies. You can find affordable Mitsubishi Outlander insurance quotes by using our free online tool below.

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What are the safety ratings of the Mitsubishi Outlander?

The safety ratings of the Mitsubishi Outlander are important to know because positive scores translate to lower insurance rates.

Take a look at the Mitsubishi Outlander safety ratings as determined by the Insurance Insitute for Highway Safety.

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

These scores indicate that the Mitsubishi Outlander received the highest mark possible in every single category, which is something insurance companies see as a good sign.

Mitsubishi Outlander Compared Against Other Vehicles in the Same Class

Experts from the IIHS classify the Mitsubishi Outlander as a small SUV, which is often referred to as a crossover. Other similar models include the following:

When providing you with a quote, insurance companies will consider the loss percentages of the Mitsubishi Outlander as it compares to other similar models in this class, like the three shown above.

The good news is that the Mitsubishi Outlander reflects a bodily injury loss percentage of 28 percent and a property damage liability loss percentage of 6 percent. The bodily injury is a little higher than average but the property damage figure is on par with most other crossovers.

Now that we have gone into great detail about how Mitsubishi Outlander insurance rates are calculated, you can feel confident about your Mitsubishi Outlander insurance quotes.  Ready to buy Mitsubishi Outlander insurance? Start comparing Mitsubishi Outlander quotes from top companies by taking advantage of our free online tool.

Rates by Driver Age

Mitsubishi Outlander Insurance Rates by Driver Age
Driver Age Premium
16 $4,736
20 $2,946
30 $1,334
40 $1,276
50 $1,168
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Mitsubishi Outlander Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,460
$500 $1,276
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Mitsubishi Outlander Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,276
50/100 $1,401
100/300 $1,492
250/500 $1,728
100 CSL $1,437
300 CSL $1,637
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Mitsubishi Outlander Insurance Rates for High Risk Drivers
Age Premium
16 $6,768
20 $4,690
30 $2,828
40 $2,766
50 $2,638
60 $2,614

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $59
Advance Quote $64
Online Quote $91
Total Discounts $546
Rate after discounts $730

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

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