To get the best rates on your Mitsubishi Outlander car insurance, you could contact dozens of companies for quotes. An independent insurance agent has access to dozens of insurance companies and they can do the work for you. They can talk with you about the laws in your area and how to make the best choices about the types and amounts of insurance you carry on your Mitsubishi Outlander.
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Click on this find-an-agent tool to get matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Mitsubishi Outlander.
What Kind of Insurance Do You Need for Your Mitsubishi Outlander?
Bodily injury liability: Bodily injury liability insurance handles medical bills if you are in an at-fault accident with your Mitsubishi Outlander. This type of coverage pays for the costs associated with recovery from injury for other people who were also involved in the accident.
Property damage liability: Property damage liability insurance may be required by law where you live. Your agent can talk with you about the minimum amount of this type of coverage that you may be required to carry as part of your Mitsubishi Outlander insurance. This coverage pays the bills to repair or replace other people's possessions that are damaged in an accident you cause.
Medical payments/Personal injury protection: Medical payments and personal injury protection coverage may be required where you live. Every state has its own rules about which type of insurance you can buy and how much you must carry. If you are in an accident, this helps pay the bills associated with physical recovery for you and your passengers.
Uninsured motorist coverage: Auto insurance is mandated by law in many areas of the United States. Even so, if you are in an accident with someone who has inadequate or nonexistent insurance coverage, you may be left with the financial responsibility for repairing or replacing your Mitsubishi Outlander. Uninsured and underinsured motorist coverage offers a layer of protection that helps pay for repairs if you are in an accident with someone who doesn't have the right types are amounts of insurance.
Collision: If you are in an accident while driving your Mitsubishi Outlander, collision insurance coverage will repair or replace your vehicle up to the policy limits. Collision insurance isn't right for everyone. It may not be worth it if your car is older and has a lower replacement value. Your agent can help you weigh the pros and cons of having collision insurance for your Mitsubishi Outlander.
Comprehensive: If you are in an accident caused by an animal in the road or are a victim of vandalism, you'll need comprehensive insurance coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your Outlander, minus your deductible, up to its fair market value for covered incidents.
Note: If you have a loan or lease on your Mitsubishi Outlander you may be required to carry full coverage insurance including collision and comprehensive coverage.
Glass coverage: If you have to replace the windshield of your Mitsubishi Outlander, it could cost hundreds of dollars. But this expense doesn't often exceed the deductible on your auto insurance policy. A zero-deductible glass coverage policy makes it easy to replace broken glass without having to pay out of pocket for those repairs.
Gap insurance: If you have a loan or lease on your Mitsubishi Outlander, you may owe more than the market value of the vehicle. Gap insurance covers the difference between the amount your insurance company will pay if your car is totaled and the amount you owe to a bank or lease company.
You may have purchased gap insurance at the dealership if you bought a brand-new Mitsubishi Outlander. If not, you can still add this important coverage to your auto insurance with help from your agent.
What Affects the Cost of Insurance for Your Mitsubishi Outlander?
- Annual mileage: Mitsubishi Outlander drivers who put more than 10,000 to 15,000 miles per year on their car may pay slightly higher insurance premiums.
- Your driving record: You can save up to 40% on your car insurance premiums if you don't have any at-fault accidents or moving violations on your driving record.
- The value of your vehicle: Vehicles with a high value are more expensive to repair and replace after an accident. Your agent can help you understand how your vehicle's value affects your insurance costs.
|Here's how your trim level may affect your insurance rates:|
|Mitsubishi Outlander ES 2WD||$4,790||$104|
|Mitsubishi Outlander ES 4WD||$2,776||$108|
|Mitsubishi Outlander SE 2WD||$1,292||$108|
|Mitsubishi Outlander SE 4WD||$1,292||$108|
|Mitsubishi Outlander XLS 2WD||$1,336||$111|
|Mitsubishi Outlander XLS 4WD||$1,382||$115|
|Mitsubishi Outlander GT-S AWC 4WD||$1,394||$116|
Average Mitsubishi Outlander Insurance Costs
On average, a forty-year-old Mitsubishi Outlander driver pays $1,336 per year for full coverage auto insurance. That's about $111 per month. Reducing that coverage to liability only causes the yearly average insurance rate to drop to $376 per year. A driver classified as high-risk by an insurance company pays an average of $2,880 per year for insurance a 16-year-old driver has the highest insurance bill. They pay an average of $4,818 per year.
The Safety of Your Mitsubishi Outlander
The Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) call The Outlander one of their top safety picks for its performance in crash tests. The NHTSA gave the Outlander with front-wheel drive a four out of five star overall rating. The all-wheel drive version received a 5-star rating.
2020 Mitsubishi Outlanders come with the expected safety features, including daytime running lights, electronic stability control, and child safety locks.
How Location Affects Your Mitsubishi Outlander Insurance
Where you live is a major factor in how much you pay for auto insurance. For this reason, it's crucial to get a personalized quote from your agent. Here's how average annual Mitsubishi Outlander insurance premiums stack up for a 40-year-old driver with an excellent driving record from one town to the next.
|Average annual Mitsubishi Outlander insurance premiums|
Additional Factors That Affect Your Mitsubishi Outlander Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Mitsubishi Outlander
|Average annual cost to insure a Mitsubishi Outlander with full coverage:||$1,332|
|Top 3 most expensive states for Mitsubishi Outlander insurance:|
|Michigan, New York, Florida||$1,800|
|Top 3 most affordable states for Mitsubishi Outlander insurance:|
|Vermont, Wisconsin, and North Carolina||$870|
Top Independent Insurance Companies That Insure the Mitsubishi Outlander
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Mitsubishi Outlander Quote
An independent insurance agent can help you get the insurance you need at a price that fits into your budget. The Trusted choice.com find-an-agent tool makes it easy to get in touch with an agent who can talk to you about ensuring your Mitsubishi Outlander. Get started today by using TrustedChoice.com to find an independent insurance agent close to you.
TrustedChoice.com Article | Reviewed by Greg Safford
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