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2012 Mitsubishi Eclipse 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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UPDATED: Mar 5, 2020

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Average insurance rates for a 2012 Mitsubishi Eclipse are $1,200 a year including full coverage. Comprehensive costs around $214 a year, collision costs $368, and liability coverage costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,602. Teenage drivers receive the highest rates at $4,688 a year or more.

Annual premium for full coverage: $1,200

Rate estimates for 2012 Mitsubishi Eclipse Insurance

Comprehensive $214
Collision $368
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 a middle-aged driver, prices range go from as low as $510 for a discount liability-only rate to a high of $2,602 for a high risk driver.

Liability Only $510
Full Coverage $1,200
High Risk $2,602

View Chart as Image

2012 Mitsubishi Eclipse insurance rates compared
Column chart showing 2012 Mitsubishi Eclipse insurance prices range from $703 to $4,688 for full coverage

These differences highlight why it is important for drivers to compare rates 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 2012 Mitsubishi Eclipse Insurance

Searching Companies

Trying to find the cheapest auto insurance rates for your Mitsubishi Eclipse? Comparison shopping for auto insurance is always nearly impossible for consumers not familiar with comparison shopping online. Consumers have so many companies to choose from that it can easily become a lot of work to locate the lowest price.

Buying car insurance is not rocket science. Just about everyone who is required by state law to have insurance will most likely be able to lower their premiums. Nevertheless, vehicle owners must understand the methods companies use to determine prices and apply this information to your search.

Are you getting all your discounts?

Companies that sell car insurance don’t always list every discount very well, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Military Rewards – Being on active duty in the military can result in better rates.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance companies aren’t that generous.

For a list of providers with the best insurance discounts, click here to view.

The method we recommend to compare policy rates is to realize most insurance companies participate in a system to give free rates quotes. The only thing you need to do is give them some information such as if it has an alarm system, how much you drive, your occupation, and if a SR-22 is required. That rating data is instantly provided to all major companies and you should receive rate quotes immediately.

To compare rates for a 2012 Mitsubishi Eclipse now, click here and complete the quick form.

Lesser-known factors impacting Mitsubishi Eclipse insurance rates

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for insurance coverage. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Mitsubishi earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Poor credit can mean higher rates – A driver’s credit score is a large factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers with lower credit ratings. If your credit rating is low, you could save money insuring your 2012 Mitsubishi Eclipse by improving your rating.
  • Men pay higher rates – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents at about the same rate, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Pay less after the wedding – Getting married can actually save you money on your insurance coverage policy. Having a significant other usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Pleasure use saves money – The more miles you rack up on your Mitsubishi each year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance coverage policy is rated on how each vehicle is driven. If your policy improperly rates your Eclipse may be costing you.
  • Policy add-ons can waste money – There are a lot of additional coverages you can purchase when buying insurance coverage. Coverages like personal injury protection, better glass coverage and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so get rid of them and save.

When might I need an agent?

When it comes to choosing the best insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Can I drive in Mexico and have coverage?
  • Does car insurance cover theft of personal property?
  • Exactly who is provided coverage by my policy?
  • Is my teen driver covered when they drive my company car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Free Auto Insurance Comparison

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

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Learn about insurance coverages for a Mitsubishi Eclipse

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from flooding, hitting a deer and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, ambulance fees, dental work and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like bail bonds, repair bills for other people’s vehicles, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Eclipse caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, crashing into a building, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

The best insurance company isn’t always the cheapest

Insureds change insurance companies for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, policy non-renewal or even delays in paying claims. Whatever your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Cheaper 2012 Mitsubishi Eclipse insurance is available both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional car insurance information can be read at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Mitsubishi Eclipse Insurance Rates by City
City Premium
New York City, NY $1,899
Los Angeles, CA $2,052
Philadelphia, PA $1,604
Jacksonville, FL $1,742
Phoenix, AZ $1,397
Chicago, IL $1,609
Houston, TX $1,882
Seattle, WA $1,172
Columbus, OH $1,004
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Mitsubishi Eclipse Insurance Rates by Driver Age
Driver Age Premium
16 $4,688
20 $2,774
30 $1,236
40 $1,200
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

2012 Mitsubishi Eclipse Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,338
$500 $1,200
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Mitsubishi Eclipse Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Mitsubishi Eclipse Insurance Rates for High Risk Drivers
Age Premium
16 $6,646
20 $4,422
30 $2,642
40 $2,602
50 $2,488
60 $2,466

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $497
Rate after discounts $703

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

Find companies with the cheapest rates in your area

2012 Mitsubishi Eclipse Insurance Rates by State
State Premium
Alabama $1,086
Alaska $920
Arizona $998
Arkansas $1,200
California $1,368
Colorado $1,148
Connecticut $1,234
Delaware $1,358
Florida $1,502
Georgia $1,108
Hawaii $862
Idaho $814
Illinois $894
Indiana $904
Iowa $808
Kansas $1,142
Kentucky $1,638
Louisiana $1,778
Maine $742
Maryland $990
Massachusetts $962
Michigan $2,086
Minnesota $1,006
Mississippi $1,438
Missouri $1,064
Montana $1,290
Nebraska $946
Nevada $1,442
New Hampshire $866
New Jersey $1,344
New Mexico $1,064
New York $1,266
North Carolina $692
North Dakota $984
Ohio $830
Oklahoma $1,234
Oregon $1,100
Pennsylvania $1,146
Rhode Island $1,604
South Carolina $1,088
South Dakota $1,012
Tennessee $1,052
Texas $1,448
Utah $888
Vermont $822
Virginia $718
Washington $930
West Virginia $1,100
Wisconsin $830
Wyoming $1,070

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