1. Vehicles
  2. Mitsubishi
  3. Eclipse
  4. 2009 Model Year

2009 Mitsubishi Eclipse Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Mar 5, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2009 Mitsubishi Eclipse are $1,118 a year with full coverage. Comprehensive costs around $186, collision costs $300, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,420. Teenage drivers receive the highest rates at $4,438 a year or more.

Annual premium for full coverage: $1,118

Rate estimates for 2009 Mitsubishi Eclipse Insurance

Comprehensive $186
Collision $300
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Mitsubishi Eclipse models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $522 for just liability insurance to the much higher price of $2,420 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,118
High Risk $2,420

View Chart as Image

2009 Mitsubishi Eclipse insurance rates compared
Column chart showing 2009 Mitsubishi Eclipse insurance prices range from $664 to $4,438 for full coverage

These differences demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2009 Mitsubishi Eclipse Insurance

Searching Companies

Looking for the cheapest insurance rates for your Mitsubishi Eclipse? Are you tired of not being able to afford to pay your car insurance bill each month? You are no different than many other consumers.

Having so many companies to choose from, it’s nearly impossible to find the lowest cost insurer.

It is always a good idea to compare rates quite often since rates change frequently. Just because you had the lowest rates on Eclipse insurance a couple years back you can probably find a lower rate today. So ignore everything you know about insurance because it’s time to teach you the fastest and easiest way to reduce your cost while increasing coverage.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. But drivers need to have an understanding of how companies determine prices.

Discounts mean cheaper 2009 Mitsubishi Eclipse insurance rates

Companies offering auto insurance don’t always advertise all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving.

  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • College Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • E-sign – Some insurance companies will give a small break for buying your policy online.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break on car insurance on Eclipse insurance.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Save over 55 – If you’re over the age of 55, you may receive reduced rates on Eclipse insurance.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.

Keep in mind that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies who offer car insurance discounts, click this link.

Mitsubishi Eclipse rates influenced by many factors

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower insurance prices.

Shown below are a partial list of the pieces that factor into rates.

  • Drive a safer car and pay less – Safer cars can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If the Mitsubishi Eclipse scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Rates may be lower depending on your job – Did you know your insurance rates can be affected by your occupation? Occupations such as doctors, social workers and dentists tend to pay the highest average rates attributed to stressful work requirements and lots of time spent at work. Other occupations such as scientists, historians and homemakers have the lowest average rates on Eclipse insurance.
  • Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to pay more for insurance. Not only will rates go up, but not being able to provide proof of insurance can result in a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department.
  • Little extras can really add up – There are a ton of extra coverages that you can get tricked into buying on your insurance policy. Coverages like rental car reimbursement, accidental death and term life insurance may be wasting your money. These coverages may sound good when talking to your agent, but if they’re wasting money get rid of them and save.
  • Keep rates low by being claim-free – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Companies award lower rates to policyholders who do not file claims often. Car insurance is meant to be used in the event of the large, substantial claims.
  • How your age affects price – Older drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers have a tendency to get distracted easily behind the wheel and because of this, their insurance rates are much higher.
  • Bad driving skills means higher rates – Even one speeding ticket can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine if you might need professional guidance.

  • If my 2009 Mitsubishi Eclipse is totaled, can I afford another vehicle?
  • How much liability coverage do I need in my state?
  • Is my custom paint covered by insurance?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?
  • How do I insure my teen driver?
  • When should I drop full coverage on my 2009 Mitsubishi Eclipse?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, court costs, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a building, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, theft and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like rehabilitation expenses, hospital visits, ambulance fees, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Shop smart and save

We just showed you a lot of techniques to save on 2009 Mitsubishi Eclipse insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a small local company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

Affordable insurance is attainable online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Much more information about insurance coverage can be found at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Mitsubishi Eclipse Insurance Rates by City
City Premium
New York City, NY $1,767
Los Angeles, CA $1,914
Philadelphia, PA $1,495
Jacksonville, FL $1,624
Phoenix, AZ $1,299
Chicago, IL $1,501
Houston, TX $1,752
Seattle, WA $1,091
Columbus, OH $934
Indianapolis, IN $949

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Mitsubishi Eclipse Insurance Rates by Driver Age
Driver Age Premium
16 $4,438
20 $2,574
30 $1,146
40 $1,118
50 $1,024
60 $1,004

Full coverage, $500 deductibles

Rates by Deductible

2009 Mitsubishi Eclipse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,330
$250 $1,234
$500 $1,118
$1,000 $1,008

Full coverage, driver age 40

Rates by Liability Limit

Mitsubishi Eclipse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,118
50/100 $1,213
100/300 $1,331
250/500 $1,639
100 CSL $1,260
300 CSL $1,521
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Mitsubishi Eclipse Insurance Rates for High Risk Drivers
Age Premium
16 $6,278
20 $4,110
30 $2,448
40 $2,420
50 $2,314
60 $2,292

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $73
5-yr Claim Free $71
Paid in Full/EFT $44
Advance Quote $51
Online Quote $77
Total Discounts $454
Rate after discounts $664

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

Find companies with the cheapest rates in your area

2009 Mitsubishi Eclipse Insurance Rates by State
State Premium
Alabama $1,010
Alaska $858
Arizona $928
Arkansas $1,118
California $1,276
Colorado $1,068
Connecticut $1,150
Delaware $1,266
Florida $1,400
Georgia $1,030
Hawaii $802
Idaho $754
Illinois $834
Indiana $840
Iowa $754
Kansas $1,064
Kentucky $1,526
Louisiana $1,654
Maine $690
Maryland $920
Massachusetts $896
Michigan $1,942
Minnesota $934
Mississippi $1,338
Missouri $992
Montana $1,200
Nebraska $882
Nevada $1,340
New Hampshire $804
New Jersey $1,248
New Mexico $992
New York $1,178
North Carolina $644
North Dakota $916
Ohio $772
Oklahoma $1,150
Oregon $1,024
Pennsylvania $1,068
Rhode Island $1,492
South Carolina $1,014
South Dakota $944
Tennessee $980
Texas $1,348
Utah $828
Vermont $766
Virginia $670
Washington $866
West Virginia $1,024
Wisconsin $776
Wyoming $996

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles