Mitsubishi Eclipse Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Mitsubishi Eclipse than the average car.
• Full coverage auto insurance for an Eclipse runs about $169 per month, on average, while liability only insurance typically averages around $83 monthly.
• The most affordable car insurance company for an Eclipse is Aspire, who offers liability only coverage for sometimes as low as $30 a month, on average.

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Eclipse Overview

The Mitsubishi Eclipse is a great car for all budgets, with 2012 models starting at $19,499. With five different trim levels currently available, every driver can find an option to match their style.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Mitsubishi Eclipse auto insurance rates are about $135 per month, on average. Compared to other vehicles in the market, how do Eclipse insurance prices stack up?

How Much is Car Insurance for a Mitsubishi Eclipse?

In the table above, you'll find that compared to other vehicles on the road, Mitsubishi Eclipse insurance rates are around average. Eclipse owners generally pay about $83 monthly for liability insurance, and around $169 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other Mitsubishi models, the Eclipse is slightly less expensive, with premiums about 6% lower than the rest of the manufacturer's vehicle lineup. Similarly, compared to other vehicles of a similar body style, Eclipse coverage is less expensive than average, with liability insurance prices averaging exactly the same rates, but full coverage insurance rates coming in at $8 cheaper than other cars.

Compared to all vehicles, regardless of make, model, or body style, the Eclipse is slightly less expensive than average for full coverage only, but liability only prices run around the same.

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Who has the Cheapest Car Insurance for a Mitsubishi Eclipse?

If you're in the market for a new car insurance policy for your Mitsubishi Eclipse, you may be most interested in which carrier offers the lowest rates. Although there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $28 a month from NationalGeneral. With car insurance as cheap as just $30 per month, Aspire is the next cheapest car insurance carrier.

Finishing off the rest of the top 5 are Horace Mann, ACG, and USAA. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take a variety of different things into consideration when offering you rates. By getting quotes from a range of auto insurance carriers at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Mitsubishi Eclipse?

As we mentioned above, there are a whole range of factors that car insurance companies take into account to decide how much they charge you for a policy -- and each company weighs different variables more heavily than others, so there's not one carrier that's the cheapest for every driver.

Below are just a few of the variables insurance carriers look at and how each one affects your final rate:

Vehicle Age

Mitsubishi has been making the Eclipse for quite some time -- and that means the car's age may play a big role in how much you'll pay for car insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Eclipses continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, the Eclipse won't really fit this trend. However, as you can see in the table above, the cheapest Mitsubishi Eclipses to insure are those that are 4 to 5 years old, while the most expensive models are Eclipses that are 1 year old or less, on average.

Your Age

How old you are plays a role in how much you pay for insurance. As you can see in the table above, drivers under 18 pay more expensive premiums compared to drivers with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Eclipse.

Your Gender

Did you know men tend to pay more for auto insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. When it comes to Eclipse drivers specifically, women pay about $19 less than men monthly for insurance.

Where You Live

You may already know that things like what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live is just as important. Because car insurance is regulated at the state level, premiums can fluctuate quite a bit depending on which state you're located in.

For example, the average Mitsubishi Eclipse driver in New York pays around $207 per month for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

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Mitsubishi Eclipse Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a new policy.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

But these aren't the only discounts car insurance companies offer to their customers. Often, the best way to get great rates is to work on your overall insurance profile.

While you may not have control of every factor auto insurance carriers reference to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the variables you can use to your advantage in order to save money on car insurance:

Your Driving Record

You've no doubt seen ads from insurance companies promoting large savings for safe drivers. And you probably wouldn't be surprised that your auto insurance rates will go higher if you get into an accident or get tickets. But you're probably wondering exactly how much these infractions will cost you.

Looking at the table above, you'll notice that accidents will usually cost Eclipse drivers more than tickets, but both will result in higher than normal rates. Mitsubishi Eclipse drivers with a single accident on their record pay an average of $115 every month (up $32 from the $83/mo. overall average), while drivers with one ticket will pay about $87 a month. Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable you have control over is the total distance you drive annually. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll normally end up spending less on car insurance. In the table above, you can see that Mitsubishi Eclipse owners who drive 10,000 miles or more pay $84 for insurance, while those who drive fewer than 2,500 miles a year pay about $71 monthly.

But if you don't drive much because have a second vehicle or you work from home, it may be worth getting usage-based or pay-per-mile auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mitsubishi Eclipses Compare to Other Vehicles?

If you're thinking about buying a new car and a Mitsubishi Eclipse is on your shortlist, you might be wondering how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Review the table below to see how the Mitsubishi Eclipse stacks up:

Overall, the Mitsubishi Eclipse is a great value for any budget, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $37,225, the Eclipse retails at just $19,499. A used Eclipse will be even lower, since there hasn't been a new model added to the market in the last few years.

But while the purchase price is on the lower end of the spectrum, car insurance prices are higher when compared to other vehicles on the market. Liability insurance for a Mitsubishi Eclipse is about $24 per month more than average, while full coverage is $3 more a month.

When it comes to usage, Mitsubishi Eclipse drivers are pretty close to the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Eclipse's 10,671 each year.

Mitsubishi Eclipse Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays to insure a Mitsubishi Eclipse. If you're considering purchasing a new Eclipse, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2012 Mitsubishi Eclipse Car Insurance 2011 Mitsubishi Eclipse Car Insurance 2010 Mitsubishi Eclipse Car Insurance 2009 Mitsubishi Eclipse Car Insurance 2008 Mitsubishi Eclipse Car Insurance 2007 Mitsubishi Eclipse Car Insurance 2006 Mitsubishi Eclipse Car Insurance 2005 Mitsubishi Eclipse Car Insurance 2004 Mitsubishi Eclipse Car Insurance 2003 Mitsubishi Eclipse Car Insurance 2002 Mitsubishi Eclipse Car Insurance 2001 Mitsubishi Eclipse Car Insurance 2000 Mitsubishi Eclipse Car Insurance

2012 Mitsubishi Eclipse Car Insurance

It costs around $105 per month for liability or $172 for a full coverage policy for the 2012 Mitsubishi Eclipse.

Elephant offered the most affordable policy we found, with rates as cheap as $22 monthly.

While these are good estimates of what the average driver might pay to insure a 2012 Mitsubishi Eclipse, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Mitsubishi Eclipse Car Insurance

2011 Eclipse drivers can expect to pay an average of $89 a month for liability or $176 for full coverage.

With prices sometimes as cheap as $26 monthly, Safeco offered the lowest policy we found for the 2011 Mitsubishi Eclipse.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several free customized quotes.

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2010 Mitsubishi Eclipse Car Insurance

On average, drivers who own a 2010 Mitsubishi Eclipse can expect to pay $60 to $137 per month for liability only and full coverage auto insurance, respectively.

Kemper has rates sometimes as little as $27 a month for the 2010 Mitsubishi Eclipse.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2009 Mitsubishi Eclipse Car Insurance

You can expect full coverage for a 2009 Eclipse to run about $179 per month, while liability only coverage will average around $89 monthly.

We found MetLife offered the cheapest policy, with rates as low as $22 per month.

If you want to know exactly how much you can expect to pay for your Eclipse, just enter your ZIP code below and get free quotes in minutes.

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2008 Mitsubishi Eclipse Car Insurance

The average cost to insure a 2008 Mitsubishi Eclipse with liability only coverage is $77 monthly, while full coverage runs about $183 a month.

If you're looking for the lowest possible 2008 Mitsubishi Eclipse insurance policy, Elephant offered the most affordable policy we found, with rates as little as just $20 monthly.

Want to find the best rates? Enter your ZIP code below to get a variety of free customized quotes.

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2007 Mitsubishi Eclipse Car Insurance

On average, drivers who own a 2007 Eclipse can expect to pay $90 to $176 a month for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Clearcover offered liability only coverage for as low as just $19 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 2007 Mitsubishi Eclipse, you can get free quotes in minutes by just entering your ZIP code below.

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2006 Mitsubishi Eclipse Car Insurance

2006 Mitsubishi Eclipse drivers can expect to pay an average of $93 monthly for liability or $190 for full coverage.

With premiums as little as $19 a month, Mercury offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2005 Mitsubishi Eclipse Car Insurance

It costs around $78 per month for liability or $137 for a full coverage policy for the 2005 Eclipse.

If you're looking for the cheapest possible 2005 Mitsubishi Eclipse insurance policy, Mercury offered the most affordable policy we found, with rates as cheap as $21 a month.

Want to find the lowest rates? Enter your ZIP code below to get lots of free personalized quotes.

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2004 Mitsubishi Eclipse Car Insurance

The average cost to insure a 2004 Mitsubishi Eclipse with liability only coverage is $79 per month, while full coverage runs about $148 monthly.

Looking for the cheapest policy? SafeAuto offered liability only coverage for sometimes as little as $17 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2003 Mitsubishi Eclipse Car Insurance

You can expect full coverage for a 2003 Eclipse to run around $157 per month, while liability only coverage will average about $84 monthly.

With rates as low as just $18 a month, MetroMile offered the most affordable policy we found.

If you want to know exactly how much you can expect to pay for your Eclipse, just enter your ZIP code below and get several free quotes in minutes.

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2002 Mitsubishi Eclipse Car Insurance

2002 Mitsubishi Eclipse drivers can expect to pay an average of $85 per month for liability or $150 for full coverage.

Good2Go has premiums as little as $21/mo monthly for the 2002 Mitsubishi Eclipse.

What will your car insurance price be? Get multiple free personalized quotes by just entering your ZIP code below.

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2001 Mitsubishi Eclipse Car Insurance

On average, drivers who own a 2001 Eclipse can expect to pay $85 to $182 a month for liability only and full coverage auto insurance, respectively.

We found Mercury offered the cheapest policy, with rates as little as just $18 per month.

These average prices are a great starting point if you're in the market for a 2001 Mitsubishi Eclipse, but there are a variety of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2000 Mitsubishi Eclipse Car Insurance

You can expect full coverage for a 2000 Mitsubishi Eclipse to run around $134 monthly, while liability only coverage will average about $75 per month.

Commonwealth Casualty offered the lowest policy we found, with rates as low as $19 a month.

Want something more accurate than national averages? Just enter your ZIP code below to get several personalized quotes for free.

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Mitsubishi Eclipse Insurance FAQs

Is a Mitsubishi Eclipse expensive to insure?

The Mitsubishi Eclipse is less expensive to insure compared to the average car. Liability insurance runs an average of $83 monthly, while full coverage will cost you around $169.

How can I get the best price on car insurance for my Mitsubishi Eclipse?

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a multitude of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Mitsubishi Eclipse affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure, but that's simply not true. Even though there are many factors insurance companies use when they offer you a premium, your Mitsubishi Eclipse's color is not factored into that decision.

Do I need to have insurance before I buy a Mitsubishi Eclipse?

You'll need to have valid auto insurance for your vehicle before you can legally drive your it off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new car is to talk with your car insurance carrier ahead of time.

What car insurance discounts can I get for my Mitsubishi Eclipse?

You will find all sorts of discounts out there when it comes to insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Eclipse you drive, but if your Eclipse has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you might receive, get in touch with your insurance company and ask about which discounts they offer.