Mitsubishi Galant Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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U.S. average insurance prices for a Mitsubishi Galant are $962 every 12 months for full coverage. Comprehensive insurance costs approximately $140 a year, collision costs $190, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,074 or more. Teenage drivers pay the highest rates at $3,942 a year or more.
Average premium for full coverage: $962
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Galant trim levels.
Price Range from Low to High
For a driver around age 40, Mitsubishi Galant insurance prices go from the cheapest price of $522 for just the minimum liability insurance to a high of $2,074 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on average rates.
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.
Additional Rate Analysis
The chart below shows estimated Mitsubishi Galant insurance rates for additional coverage and risk scenarios.
- The best discount rate is $586
- Raising to $1,000 deductibles will save $886 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $962
- Using low $100 deductibles costs an extra $142 annually
- Drivers who are prone to accidents and violations could pay around $2,074 or more
- The price to insure a 16-year-old driver can cost $3,942
Insurance prices for a Mitsubishi Galant are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Galant.
Using high physical damage deductibles can reduce prices by up to $220 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 127% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Mitsubishi Galant insurance prices. A middle-age driver might find prices as low as $630 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,370 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $870 | -$92 | -9.6% |
| Alaska | $736 | -$226 | -23.5% |
| Arizona | $798 | -$164 | -17.0% |
| Arkansas | $962 | -$0 | 0.0% |
| California | $1,094 | $132 | 13.7% |
| Colorado | $918 | -$44 | -4.6% |
| Connecticut | $988 | $26 | 2.7% |
| Delaware | $1,090 | $128 | 13.3% |
| Florida | $1,204 | $242 | 25.2% |
| Georgia | $886 | -$76 | -7.9% |
| Hawaii | $690 | -$272 | -28.3% |
| Idaho | $648 | -$314 | -32.6% |
| Illinois | $716 | -$246 | -25.6% |
| Indiana | $722 | -$240 | -24.9% |
| Iowa | $648 | -$314 | -32.6% |
| Kansas | $914 | -$48 | -5.0% |
| Kentucky | $1,312 | $350 | 36.4% |
| Louisiana | $1,422 | $460 | 47.8% |
| Maine | $594 | -$368 | -38.3% |
| Maryland | $790 | -$172 | -17.9% |
| Massachusetts | $770 | -$192 | -20.0% |
| Michigan | $1,670 | $708 | 73.6% |
| Minnesota | $804 | -$158 | -16.4% |
| Mississippi | $1,150 | $188 | 19.5% |
| Missouri | $852 | -$110 | -11.4% |
| Montana | $1,032 | $70 | 7.3% |
| Nebraska | $758 | -$204 | -21.2% |
| Nevada | $1,152 | $190 | 19.8% |
| New Hampshire | $692 | -$270 | -28.1% |
| New Jersey | $1,074 | $112 | 11.6% |
| New Mexico | $852 | -$110 | -11.4% |
| New York | $1,012 | $50 | 5.2% |
| North Carolina | $554 | -$408 | -42.4% |
| North Dakota | $788 | -$174 | -18.1% |
| Ohio | $664 | -$298 | -31.0% |
| Oklahoma | $988 | $26 | 2.7% |
| Oregon | $880 | -$82 | -8.5% |
| Pennsylvania | $918 | -$44 | -4.6% |
| Rhode Island | $1,282 | $320 | 33.3% |
| South Carolina | $870 | -$92 | -9.6% |
| South Dakota | $812 | -$150 | -15.6% |
| Tennessee | $842 | -$120 | -12.5% |
| Texas | $1,158 | $196 | 20.4% |
| Utah | $710 | -$252 | -26.2% |
| Vermont | $660 | -$302 | -31.4% |
| Virginia | $576 | -$386 | -40.1% |
| Washington | $744 | -$218 | -22.7% |
| West Virginia | $880 | -$82 | -8.5% |
| Wisconsin | $666 | -$296 | -30.8% |
| Wyoming | $858 | -$104 | -10.8% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mitsubishi Galant ES | $962 | $80 |
| Mitsubishi Galant ES | $962 | $80 |
| Mitsubishi Galant SE | $980 | $82 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Mitsubishi Galant | $148 | $210 | $474 | $990 |
| 2011 Mitsubishi Galant | $140 | $190 | $474 | $962 |
| 2010 Mitsubishi Galant | $134 | $170 | $468 | $930 |
| 2007 Mitsubishi Galant | $120 | $152 | $446 | $876 |
| 2006 Mitsubishi Galant | $116 | $144 | $442 | $860 |
Rates are averaged for all Mitsubishi Galant models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Mitsubishi Galant Insurance
Getting lower rates on insurance for a Mitsubishi Galant consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a review of the data covered above.
- Insureds who purchase additional liability coverage will pay an extra $520 each year to raise from a low limit to a 250/500 level
- Drivers can save around $110 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $225 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $329 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,942 |
| 20 | $2,206 |
| 30 | $972 |
| 40 | $962 |
| 50 | $884 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,104 |
| $250 | $1,040 |
| $500 | $962 |
| $1,000 | $886 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $962 |
| 50/100 | $1,075 |
| 100/300 | $1,193 |
| 250/500 | $1,501 |
| 100 CSL | $1,122 |
| 300 CSL | $1,383 |
| 500 CSL | $1,573 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,540 |
| 20 | $3,522 |
| 30 | $2,084 |
| 40 | $2,074 |
| 50 | $1,984 |
| 60 | $1,962 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $48 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $64 |
| Total Discounts | $376 |
Discounts are estimated and may not be available from every company or in every state.
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