Mitsubishi Lancer 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: Sep 30, 2022

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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.

Average insurance rates for a Mitsubishi Lancer are $942 a year for full coverage. Comprehensive costs on average $154 a year, collision costs $188, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,020. Teen drivers receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates by individual coverage type:

Comprehensive $154
Collision $188
Liability $442

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

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,020 for a high risk driver.

Liability Only $496
Full Coverage $942
High Risk $2,020

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 $707
Small Cities $989
Large Cities $1,272

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 Lancer insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $578
  • Drivers who choose higher $1,000 deductibles will pay around $864 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $942
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,090
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,020 or more
  • The cost for full coverage for a teen driver may cost $3,814 a year

View Chart as Image

Mitsubishi Lancer insurance cost comparison chart
Column chart showing full coverage Mitsubishi Lancer insurance rates range from $578 to $3,814

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

Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,800 a year. View Rates by Age

Where you live makes a big difference in Mitsubishi Lancer insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,350 on average in Michigan, Louisiana, and New York.

Mitsubishi Lancer Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $854 -$88 -9.3%
Alaska $724 -$218 -23.1%
Arizona $784 -$158 -16.8%
Arkansas $942 -$0 0.0%
California $1,074 $132 14.0%
Colorado $902 -$40 -4.2%
Connecticut $970 $28 3.0%
Delaware $1,066 $124 13.2%
Florida $1,182 $240 25.5%
Georgia $870 -$72 -7.6%
Hawaii $680 -$262 -27.8%
Idaho $638 -$304 -32.3%
Illinois $704 -$238 -25.3%
Indiana $710 -$232 -24.6%
Iowa $636 -$306 -32.5%
Kansas $896 -$46 -4.9%
Kentucky $1,286 $344 36.5%
Louisiana $1,396 $454 48.2%
Maine $582 -$360 -38.2%
Maryland $780 -$162 -17.2%
Massachusetts $756 -$186 -19.7%
Michigan $1,638 $696 73.9%
Minnesota $790 -$152 -16.1%
Mississippi $1,132 $190 20.2%
Missouri $838 -$104 -11.0%
Montana $1,014 $72 7.6%
Nebraska $744 -$198 -21.0%
Nevada $1,132 $190 20.2%
New Hampshire $680 -$262 -27.8%
New Jersey $1,054 $112 11.9%
New Mexico $834 -$108 -11.5%
New York $994 $52 5.5%
North Carolina $544 -$398 -42.3%
North Dakota $772 -$170 -18.0%
Ohio $652 -$290 -30.8%
Oklahoma $970 $28 3.0%
Oregon $864 -$78 -8.3%
Pennsylvania $902 -$40 -4.2%
Rhode Island $1,260 $318 33.8%
South Carolina $854 -$88 -9.3%
South Dakota $796 -$146 -15.5%
Tennessee $828 -$114 -12.1%
Texas $1,136 $194 20.6%
Utah $700 -$242 -25.7%
Vermont $646 -$296 -31.4%
Virginia $564 -$378 -40.1%
Washington $732 -$210 -22.3%
West Virginia $864 -$78 -8.3%
Wisconsin $654 -$288 -30.6%
Wyoming $842 -$100 -10.6%

View Chart as Image

Mitsubishi Lancer insurance rates by U.S. city

Choosing high deductibles could save up to $230 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 $398 . 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 $1,100 to $1,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 130% 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 Lancer Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mitsubishi Lancer DE $900 $75
Mitsubishi Lancer ES $924 $77
Mitsubishi Lancer GTS $938 $78
Mitsubishi Lancer Sportback GTS $938 $78
Mitsubishi Lancer RALLIART $988 $82
Mitsubishi Lancer Sportback Ralliart $988 $82

Rates assume 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
2016 Mitsubishi Lancer $280 $494 $456 $1,388
2014 Mitsubishi Lancer $250 $408 $460 $1,276
2013 Mitsubishi Lancer $242 $382 $464 $1,246
2012 Mitsubishi Lancer $236 $356 $474 $1,224
2011 Mitsubishi Lancer $218 $330 $474 $1,180
2010 Mitsubishi Lancer $212 $300 $478 $1,148
2009 Mitsubishi Lancer $198 $274 $474 $1,104
2008 Mitsubishi Lancer $186 $250 $474 $1,068
2006 Mitsubishi Lancer $178 $218 $460 $1,014
2005 Mitsubishi Lancer $176 $208 $452 $994
2004 Mitsubishi Lancer $160 $198 $446 $962
2003 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 Cheaper Mitsubishi Lancer Insurance

Saving money on Mitsubishi Lancer 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 $225 each year
  • Drivers can save as much as $100 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $318 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,080 more each year for insurance

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 $3,814
20 $2,150
30 $958
40 $942
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Mitsubishi Lancer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,090
$250 $1,024
$500 $942
$1,000 $864

Full coverage, driver age 40

Rates by Liability Limit

Mitsubishi Lancer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $942
50/100 $1,076
100/300 $1,187
250/500 $1,474
100 CSL $1,121
300 CSL $1,364
500 CSL $1,541

Full coverage, driver age 40

Rates for High Risk Drivers

Mitsubishi Lancer Insurance Rates for High Risk Drivers
Age Premium
16 $5,356
20 $3,422
30 $2,036
40 $2,020
50 $1,932
60 $1,912

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $58
Paid in Full/EFT $33
Advance Quote $40
Online Quote $63
Total Discounts $364
Rate after discounts $578

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

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