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

Quick Facts

• A Mitsubishi Galant is cheaper to insure than the average car.
• Full coverage for a Galant generally tends to be about $167 per month, while liability only car insurance prices tend to be around $89 a month.
• At sometimes as cheap as $33 per month for liability only coverage, AssuranceAmerica is the cheapest auto insurance company for a Galant.

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Galant Overview

With a base price of just $21,899 for 2012 models, the Mitsubishi Galant is a great car for all budgets. With two different trim levels currently offered, you'll be sure to find an option to fit your style.

We combed through thousands of insurance quotes on Compare.com, and we've found that Mitsubishi Galant car insurance premiums average out to about $145 a month. Compared to other vehicles in the market, how do Galant auto insurance rates stack up?

How Much is Car Insurance for a Mitsubishi Galant?

Looking at the table above, you'll find that compared to other vehicles, Mitsubishi Galant insurance premiums are right around average. Galant drivers typically pay about $89 monthly for liability insurance, and around $167 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When compared to other Mitsubishi models, the Galant is slightly less expensive, with rates more than 5% lower than the rest of the company's vehicle lineup. Compared to offerings from other brands, insurance for a Galant runs close to average, with full coverage insurance prices $10 cheaper than other cars and liability insurance rates coming in at $6 higher.

When compared to all vehicles, regardless of model, body style, or make, the Galant follows a similar pattern of having average insurance prices.

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Who has the Cheapest Car Insurance for a Mitsubishi Galant?

If you're searching for a new auto insurance policy for your Mitsubishi Galant, you're likely wondering which carrier offers the lowest premiums. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $32 per month from ACG. The runner up for lowest rates is AssuranceAmerica, with car insurance policies starting as cheap as $33 a month.

Rounding out the list are Ohio Mutual, Safeway, and Aspire. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since auto insurance companies look at a whole range of different factors when calculating premiums. By getting quotes from a whole range of insurance carriers at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Mitsubishi Galant?

There are a bunch of variables that car insurance companies take into account to choose how much they charge you -- and each company uses a different algorithm, so there's not a single carrier that's the lowest for every Galant driver.

Keep reading to learn which things insurance carriers look at and how they affect your final rate:

Vehicle Age

Mitsubishi has been making the Galant for quite some time, so the car's age may make a big difference in how much you'll pay for auto insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Galants continue to depreciate, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, the Galant won't really fit this trend. However, as you can see in the table above, the cheapest Mitsubishi Galants to insure are those that are 2 to 3 years old, while the most expensive models are Galants that are 8 to 10 years old, on average.

Your Age

Age is another factor that makes a difference in how much you pay for insurance. In the table above, you'll see that young drivers pay more expensive premiums compared to older drivers. In this case, drivers under 18 pay over five times as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group for Galant drivers being 55-64.

Your Gender

Women normally to pay less for car insurance than men. This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. When it comes to Galant drivers specifically, women pay about $88 monthly for auto insurance and men pay around $91.

Where You Live

You're probably already aware that variables like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live has just as much of an impact? Insurance is regulated on the state level rather than nationally, so rates change quite a bit depending on where you live.

For example, the average Mitsubishi Galant owner in New York pays about $190 per month for liability coverage. Meanwhile, the same driver in California will pay less than half of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Mitsubishi Galant Car Insurance Discounts

Whatever where you live, what vehicle you drive, or how old you are, it's always a good idea to take advantage of as many insurance discounts as possible 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:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you don't have control over every variable car insurance companies consider to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the ones you can use to your advantage in order to save on auto insurance:

Your Driving Record

You've no doubt seen ads from car insurance carriers offering big discounts for safe drivers. It shouldn't come as a surprise that your auto insurance rates will go up if you get tickets for speeding or get into an accident. But exactly how much can it cost you for these infractions?

As you can see from the table above, accidents will usually cost Galant drivers more than tickets, but both will result in higher than average rates. Mitsubishi Galant drivers with a single accident on their record pay an average of $111 per month (up $22 from the $89/mo. overall average), while drivers with one ticket will pay about $106 a month. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that plays a big role in your insurance premiums is the amount of miles you drive annually. Those who drive less often have fewer opportunities to get into an accident, so they'll usually be offered cheaper rates. Based on the table above, you can see that Mitsubishi Galant owners who drive 10,000 miles or more pay $90 for auto insurance, while those who drive fewer than 2,500 miles each year pay about $78 monthly.

If you don't use your Mitsubishi Galant that often, it may be worth learning about pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Mitsubishi Galants Compare to Other Vehicles?

If you're thinking about making a Mitsubishi Galant your next car, it can pay off to do your research. Auto insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Mitsubishi Galant compares:

Overall, the Mitsubishi Galant is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. The Galant starts at $21,899, which is quite a bit lower than the national average vehicle MSRP of $37,225. And since there hasn't been a new Galant model on the market in the last few years, used prices will be even less expensive.

Although the Galant's price is on the low end of the spectrum, car insurance prices run above average when compared to the rest of the vehicle market. Liability insurance for a Mitsubishi Galant is around $23 per month more than average, while full coverage is $11 more per month.

When it comes to usage, Mitsubishi Galant drivers are pretty close to the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the Galant's 12,073 a year.

Mitsubishi Galant Car Insurance Costs by Model Year

You've seen how different things can have an impact on what you'll pay for insurance. But if you're considering purchasing a new Galant, having a good idea of exactly what you'll pay is extremely valuable as you weigh your choices.

Choose Your Model

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

2012 Mitsubishi Galant Car Insurance

It costs about $104 monthly for liability or $180 for a full coverage policy for the 2012 Mitsubishi Galant.

With rates as little as just $0 a month, Mapfre offered the most affordable policy we found for the 2012 Mitsubishi Galant.

If you want to find the best prices for car insurance for a 2012 Mitsubishi Galant, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Mitsubishi Galant Car Insurance

The average cost to insure a 2011 Galant with liability only coverage is $95 monthly, while full coverage runs around $168 per month.

Clearcover has premiums sometimes as little as $21 a month for the 2011 Mitsubishi Galant.

Want to know just how much you'll pay? Get several customized quotes for free by just entering your ZIP code below.

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2010 Mitsubishi Galant Car Insurance

You can expect full coverage for a 2010 Mitsubishi Galant to run about $157 per month, while liability only coverage will average around $95 monthly.

We found ACG offered the cheapest policy, with rates as low as $22 a month.

While these are good estimates of what the average driver might pay to insure a 2010 Mitsubishi Galant, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2009 Mitsubishi Galant Car Insurance

On average, drivers who own a 2009 Galant can expect to pay $100 to $170 monthly for liability only and full coverage insurance, respectively.

Workmens offered the most affordable policy we found, with rates as low as just $22 per month.

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

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2008 Mitsubishi Galant Car Insurance

2008 Mitsubishi Galant drivers can expect to pay an average of $97 a month for liability or $174 for full coverage.

With prices sometimes as low as $23 per month, Arrowhead offered the cheapest policy we found.

If you want to find the best premiums for car insurance for a 2008 Mitsubishi Galant, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

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2007 Mitsubishi Galant Car Insurance

You can expect full coverage for a 2007 Galant to run about $173 a month, while liability only coverage will average around $101 monthly.

If you're looking for the cheapest possible 2007 Mitsubishi Galant insurance policy, Commonwealth Casualty offered the most affordable policy we found, with rates as little as $18 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2006 Mitsubishi Galant Car Insurance

The average cost to insure a 2006 Mitsubishi Galant with liability only coverage is $95 monthly, while full coverage runs about $146 per month.

Looking for the cheapest policy? Arrowhead offered liability only coverage for as cheap as just $23 monthly.

While these are good estimates of what the average driver might pay to insure a 2006 Mitsubishi Galant, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2005 Mitsubishi Galant Car Insurance

It costs around $95 a month for liability or $187 for a full coverage policy for the 2005 Galant.

If you're looking for the lowest possible 2005 Mitsubishi Galant insurance policy, Gainsco offered the lowest policy we found, with rates sometimes as cheap as $25 per month.

Want something more accurate than national averages? Just enter your ZIP code below to get a variety of free customized quotes.

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2004 Mitsubishi Galant Car Insurance

On average, drivers who own a 2004 Mitsubishi Galant can expect to pay $82 to $153 monthly for liability only and full coverage auto insurance, respectively.

With rates sometimes as little as $19 per month, Liberty Mutual offered the cheapest policy we found.

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

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2003 Mitsubishi Galant Car Insurance

2003 Galant drivers can expect to pay an average of $92 a month for liability or $176 for full coverage.

Looking for the lowest policy? MetLife offered liability only coverage for as cheap as $18 per month.

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

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2002 Mitsubishi Galant Car Insurance

On average, drivers who own a 2002 Mitsubishi Galant can expect to pay $81 to $145 a month for liability only and full coverage car insurance, respectively.

We found Mercury offered the most affordable policy, with rates as cheap as just $18 monthly.

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

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2001 Mitsubishi Galant Car Insurance

The average cost to insure a 2001 Galant with liability only coverage is $79 per month, while full coverage runs about $133 a month.

Mapfre has prices as low as just $19 monthly for the 2001 Mitsubishi Galant.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2000 Mitsubishi Galant Car Insurance

You can expect full coverage for a 2000 Mitsubishi Galant to run around $148 per month, while liability only coverage will average about $87 a month.

With premiums as little as $21 monthly, AnswerFinancial offered the cheapest policy we found for the 2000 Mitsubishi Galant.

These average rates are a great starting point if you're in the market for a 2000 Mitsubishi Galant, but there are a lot of different variables 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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Mitsubishi Galant Insurance FAQs

Is a Mitsubishi Galant expensive to insure?

The Mitsubishi Galant is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $89 per month, while full coverage will cost you around $167.

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

The only way to ensure you're getting the lowest price on auto insurance is to check prices regularly and compare quotes from an array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Mitsubishi Galant affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not true. There are several factors insurance companies use when they calculate how much you'll pay, but the color of your car is not one of them.

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

Before you can legally drive your new (or new to you) Mitsubishi Galant off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a an car is to let your car insurance company know before you buy.

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

There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the Galant you drive, but if your Galant has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to contact your insurance carrier and ask about which discounts they offer.