Cheap Mitsubishi Outlander PHEV Car Insurance in 2024 (10 Most Affordable Companies)
State Farm, USAA, and Progressive provide cheap Mitsubishi Outlander PHEV car insurance, starting at just $77 per month. These leading companies are recognized for their cost-effective policies and comprehensive coverage options tailored specifically for Outlander PHEV owners, ensuring value and security.
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UPDATED: Jul 10, 2024
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UPDATED: Jul 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Min. Coverage for Mitsubishi Outlander PHEV
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
6,435 reviewsCompany Facts
Min. Coverage for Mitsubishi Outlander PHEV
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
13,128 reviewsCompany Facts
Min. Coverage for Mitsubishi Outlander PHEV
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
State Farm, USAA, and Progressive are the top picks for cheap Mitsubishi Outlander PHEV car insurance, offering comprehensive coverage options tailored to meet the specific needs of hybrid SUV owners.
These companies offer policies that balance affordability with extensive protection, giving Outlander PHEV owners peace of mind on the road. By evaluating vehicle value, safety features, and location, they consistently offer the most cost-effective insurance.
Our Top 10 Company Picks: Cheap Mitsubishi Outlander PHEV Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $77 B Affordable Rates State Farm
#2 $80 A++ Military Discounts USAA
#3 $84 A+ Snapshot Program Progressive
#4 $88 A++ Low Rates Geico
#5 $93 A+ Comprehensive Coverage Allstate
#6 $98 A Personalized Coverage Liberty Mutual
#7 $103 A Multi-Policy Discounts Farmers
#8 $109 A+ SmartRide Program Nationwide
#9 $115 A++ Safe Driver Travelers
#10 $121 A Loyalty Discounts American Family
Their commitment to customer satisfaction and competitive pricing makes them standout options for securing auto insurance. Gain detailed insights into our guide titled “Best Electric Vehicle (EV) Car Insurance Discounts.”
Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool above.
- State Farm leads as the best provider for Mitsubishi Outlander PHEV insurance
- Coverage focuses on the hybrid SUV’s unique safety and tech features
- Policies are tailored to the specific risks of driving an Outlander PHEV
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#1 – State Farm: Top Overall Pick
Pros
- Competitive Pricing: Offers cheap Mitsubishi Outlander PHEV car insurance starting at $77/month. Discover more about offerings in our article titled “State Farm Insurance Review & Ratings.”
- High Low-Mileage Discount: Significant discounts for drivers with low annual mileage, suitable for Outlander PHEV owners who primarily use their vehicle for short commutes.
- Wide Coverage Options: A variety of coverage options that cater to different needs, ensuring comprehensive protection for the Mitsubishi Outlander PHEV.
Cons
- Limited Multi-Policy Discount: Discounts for bundling multiple policies are less competitive compared to industry leaders.
- Premium Costs: Despite available discounts, premiums can be relatively high for certain coverage levels, impacting affordability.
#2 – USAA: Best for Military Discounts
Pros
- Military Discounts: Specialized discounts for military members, making it an excellent choice for service members owning a Mitsubishi Outlander PHEV.
- Superior Financial Strength: A++ A.M. Best rating, indicating robust financial health and claim-paying ability. Unlock details in our article titled “USAA Insurance Review & Ratings.”
- High Customer Satisfaction: Known for exceptional customer service and support, particularly beneficial for military families.
Cons
- Limited Availability: Only available to military members, veterans, and their families, restricting access for the general public.
- Higher Rates for Some Policies: While competitive, rates like $80/month can still be higher compared to the absolute cheapest in the market.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Discount Program: Progressive insurance review & ratings offers personalized rates based on driving behavior, potentially lowering costs for safe Mitsubishi Outlander PHEV drivers.
- Variety of Discounts: Includes discounts for online policy purchase and multi-car ownership, beneficial for tech-savvy Outlander PHEV owners.
- Robust Online Tools: Progressive’s online and mobile tools simplify managing policies and filing claims, enhancing user convenience.
Cons
- Customer Service Variability: Some users report inconsistencies in customer service, which could affect satisfaction.
- Policy Price Fluctuation: Prices may increase at renewal, especially if the driving data from the Snapshot program doesn’t favor the policyholder.
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#4 – Geico: Best for Low Rates
Pros
- Competitive Monthly Rates: Geico car insurance discounts offers one of the lower monthly rates at $88 for Mitsubishi Outlander PHEV insurance.
- Extensive Discounts: Wide range of discounts including for safety features on vehicles, which the Outlander PHEV is equipped with.
- Strong Financial Health: A++ rating from A.M. Best, ensuring reliability in claims processing.
Cons
- Generic Policy Offerings: Coverage options are less tailored compared to competitors, which might not meet specific needs of every Outlander PHEV owner.
- Customer Service Complaints: Some users report less satisfactory interactions with service reps, affecting overall experience.
#5 – Allstate: Best for Comprehensive Coverage
Pros
- Customizable Policies: Offers a range of endorsements and coverage options, allowing Outlander PHEV owners to tailor their policies extensively.
- Multiple Discount Opportunities: Benefits like the new car discount can appeal to owners of newer Outlander PHEV models.
- High-Quality Claims Service: Known for efficient claims processing and customer support. Discover insights in our article titled “Allstate Insurance Review & Ratings.”
Cons
- Higher End of Pricing: Monthly rate of $93 might be less appealing compared to cheaper alternatives.
- Policy Upselling: Customers may experience aggressive upselling of additional features, which can increase overall costs.
#6 – Liberty Mutual: Best for Personalized Coverage
Pros
- Tailored Insurance Options: Offers highly customizable policies that can be fine-tuned to meet the specific needs of Mitsubishi Outlander PHEV owners.
- Accident Forgiveness: Liberty Mutual review & ratings provides accident forgiveness policies which can prevent premium increases after the first accident, a valuable feature for careful drivers.
- Competitive Discounts for Safety Features: Discounts for vehicles equipped with advanced safety features, which aligns well with the tech-forward Outlander PHEV.
Cons
- Higher Premiums: Starting at $98/month, premiums can be higher compared to some competitors, impacting affordability.
- Customer Feedback on Claims: Some policyholders report less satisfaction with the claims process, which could influence potential customers’ decisions.
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#7 – Farmers: Best for Multi-Policy Discounts
Pros
- Strong Multi-Policy Discounts: Encourages significant savings for customers who bundle multiple insurance policies, ideal for Outlander PHEV owners with multiple insurance needs.
- Customizable Coverage Levels: Farmers insurance review & ratings allows extensive customization of policies, enabling owners to adjust coverage specifics to their liking.
- Dedicated Agents: Provides personalized service through dedicated agents, offering a more tailored customer service experience.
Cons
- Higher Rate Starting Point: Monthly premiums start at $103, which may be a deterrent for those seeking more budget-friendly options.
- Policy Complexity: Some customers find Farmers’ policy options complex and challenging to navigate, potentially complicating the purchasing process.
#8 – Nationwide: Best for SmartRide Program
Pros
- Innovative SmartRide Program: Nationwide insurance review & ratings offers discounts based on driving behavior, beneficial for safe drivers of Mitsubishi Outlander PHEV.
- Wide Range of Coverage Options: Broad selection of coverage choices allows for a highly tailored insurance policy.
- Strong Financial Stability: Nationwide’s A+ A.M. Best rating ensures reliability and stability in handling claims.
Cons
- Cost Barrier: Starting at $109/month, Nationwide can be one of the pricier options.
- Discount Eligibility: Discounts through SmartRide require data sharing, which might not appeal to all customers due to privacy concerns.
#9 – Travelers: Best for Safe Driver
Pros
- Discounts for Safe Drivers: Offers competitive rates and discounts for drivers with a clean record, which can benefit conscientious Mitsubishi Outlander PHEV owners.
- IntelliDrive Program: A program that monitors driving behavior for 90 days, potentially reducing rates for safe driving. Delve into our evaluation of our article titled “Travelers Insurance Review & Ratings.”
- Comprehensive Coverage Options: Extensive coverage options that can be customized to fit the needs of any Mitsubishi Outlander PHEV owner.
Cons
- Higher Base Prices: Starting monthly rates at $115 can make Travelers less attractive compared to cheaper alternatives.
- Program Requirements: The IntelliDrive program requires continuous monitoring, which might be seen as intrusive by some policyholders.
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#10 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Offers reductions in premiums for long-term customers, which can significantly benefit long-time Mitsubishi Outlander PHEV owners.
- Wide Coverage: Broad coverage options including gap insurance, ideal for newer Outlander PHEV models.
- Supportive Customer Service: Known for its strong customer support and helpful agent network. Check out insurance savings in our complete article titled “American Family Insurance Review & Ratings.”
Cons
- Starting Rates on the Higher Side: With starting rates at $121/month, it’s one of the more expensive options available.
- Availability Restrictions: American Family’s services are not available in all states, limiting its accessibility to some potential customers.
Comparative Monthly Insurance Rates for Mitsubishi Outlander PHEV
When considering insurance for the Mitsubishi Outlander PHEV, it’s important to differentiate between minimum and full coverage rates, as the choice of coverage significantly affects monthly premiums. Explore insights in our article titled “How much is car insurance?”
Mitsubishi Outlander PHEV Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $93 $173
American Family $121 $215
Farmers $103 $190
Geico $88 $165
Liberty Mutual $98 $182
Nationwide $109 $198
Progressive $84 $158
State Farm $77 $145
Travelers $115 $207
USAA $80 $150
The table illustrates how monthly rates vary among leading insurance providers, presenting both minimum and full coverage options. For instance, State Farm offers the most affordable minimum coverage at $77, extending to $145 for full coverage, reflecting their commitment to competitive pricing.
In contrast, American Family’s rates are at the higher end, with minimum coverage starting at $121 and escalating to $215 for comprehensive protection. This spectrum of costs highlights the importance of comparing rates tailored to your specific coverage needs to ensure financial efficiency and adequate protection for your Mitsubishi Outlander PHEV.
Factors That Influence the Cost of Mitsubishi Outlander PHEV Car Insurance
When insuring your Mitsubishi Outlander PHEV, numerous factors influence the cost of your car insurance premium, and understanding these can lead to informed decisions and potential savings. The vehicle’s value plays a critical role, as higher-valued vehicles generally incur higher insurance costs. Discover insights in our guide titled “How can I pay my GEICO insurance premium?”
The type of vehicle, particularly since the Outlander PHEV is a hybrid SUV, may attract higher rates due to expensive repairs stemming from its complex technology. Safety features like adaptive cruise control and collision mitigation systems can positively affect premiums by reducing accident risks, potentially leading to discounts.
Your personal driving record is also crucial; a clean record without accidents or violations usually results in lower premiums. Geographic location impacts costs too; living in areas with high congestion or crime rates can lead to higher premiums due to increased accident and theft risks. Choosing higher deductibles can reduce your premium, though it’s vital to select an affordable deductible for potential claims.
Driving fewer miles annually can lower your rates since reduced mileage typically correlates with fewer accidents. Additionally, factors like age, gender, and even credit score in certain states can significantly impact insurance costs, with younger, male drivers often facing higher rates and good credit scores potentially leading to lower premiums.
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Understanding the Insurance Premiums for Mitsubishi Outlander PHEV
When setting insurance premiums for a Mitsubishi Outlander PHEV, insurers weigh multiple factors like the vehicle’s value, safety features, and the driver’s age and driving history. Premiums, which are paid periodically to maintain coverage, can vary significantly between providers based on their business models, risk evaluations, and the specific policies offered.
To obtain an accurate premium quote, insurance companies will typically require information such as your age, location, driving history, and the model year of your Mitsubishi Outlander PHEV. They will also assess the vehicle’s safety features and any optional enhancements or modifications. Learn more in our guide titled “Can I change my car insurance coverage at any time?”
Hybrid vehicles like the Mitsubishi Outlander PHEV typically cost more initially than traditional cars, but their fuel efficiency and eco-friendly technology can offset higher insurance premiums. Comparing quotes from different insurers is crucial to find the best balance of coverage and cost. Insurance costs for the Outlander PHEV vary by usage, mileage, and location.
Comparing Insurance Rates for Mitsubishi Outlander PHEV With Other Hybrid SUVs
When comparing Mitsubishi Outlander PHEV insurance, see how it measures against other hybrid SUVs. Rates vary based on vehicle make, model, and year. Though the Outlander PHEV is affordable in its class, variations in safety features, repair costs, and risk assessments can impact premiums. Explore our analysis of the article titled “Finding Affordable Insurance for Hybrid Cars.”
When comparing insurance rates, it’s crucial to evaluate not just the premium but also coverage limits, deductibles, and customer satisfaction. Companies specializing in hybrid vehicles often provide discounts for Mitsubishi Outlander PHEV owners. Using online tools to compare quotes can assist in finding an insurance policy that fits both your needs and budget effectively.
Melanie Musson Published Insurance Expert
Insurance rates for hybrid SUVs like the Mitsubishi Outlander PHEV can be influenced by the driver’s age, driving record, and location, with younger drivers or those with a history of accidents facing higher premiums. Additionally, insurance coverage availability and cost can vary by region or state due to specific regulations for insuring hybrid vehicles.
Case Studies: Optimal Car Insurance Choices for Mitsubishi Outlander PHEV Owners
Choosing the right car insurance is vital for Mitsubishi Outlander PHEV owners to ensure they receive cost-effective and comprehensive coverage. The following case studies illustrate how State Farm, USAA, and Progressive meet the unique needs of their customers effectively.
- Case Study #1 – State Farm’s Affordability Advantage: John chose State Farm for his Mitsubishi Outlander PHEV because of its low rates starting at $77/month. When he needed to file a claim after a minor collision, the process was straightforward and the coverage comprehensive, proving State Farm’s value.
- Case Study #2 – USAA’s Military Precision: As an active-duty military member, Sarah opted for USAA for her Outlander PHEV, drawn by the $80/month rate and military-specific benefits. Her vehicle was vandalized while deployed, and USAA’s expedited claims process and attentive service ensured her car was repaired and ready upon her return.
- Case Study #3 – Progressive’s Customized Coverage: Mike was attracted to Progressive’s personalized rate plan, starting at $84/month, which utilized their Snapshot program to tailor rates to his driving habits. This plan resulted in lower premiums for him as a safe driver, highlighting Progressive’s innovative approach to insurance.
These scenarios highlight the necessity of selecting an insurance provider that matches personal needs and offers customized benefits for Mitsubishi Outlander PHEV owners, ensuring optimal coverage and exceptional service.
Add a layer of protection against vehicle theft by using a steering wheel lock. pic.twitter.com/rjlduV8q8F
— State Farm (@StateFarm) December 6, 2023
This approach guarantees that each owner receives the most suitable and effective insurance solution for their specific situation.
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Frequently Asked Questions
What factors affect the cost of car insurance for a Mitsubishi Outlander PHEV?
The cost of car insurance for a Mitsubishi Outlander PHEV can be influenced by various factors such as the driver’s age, location, driving history, coverage options, deductible amount, and the insurance provider’s rates.
For more information, consult our detailed guide titled “Raising your Deductible – Weighing the Risks vs. the Benefits.”
Are Mitsubishi Outlander PHEVs generally expensive to insure?
The insurance cost for a Mitsubishi Outlander PHEV is typically higher compared to regular gasoline-powered cars due to factors like the vehicle’s higher value and specialized components. However, insurance rates can vary depending on individual circumstances and insurance providers.
Are there any specific safety features of the Mitsubishi Outlander PHEV that can help reduce insurance costs?
Yes, the Mitsubishi Outlander PHEV is equipped with several safety features that can potentially lower insurance costs. These may include advanced driver assistance systems such as lane departure warning, adaptive cruise control, forward collision mitigation, and blind-spot monitoring.
Do hybrid or electric vehicles like the Mitsubishi Outlander PHEV qualify for any insurance discounts?
Yes, hybrid or electric vehicles like the Mitsubishi Outlander PHEV may be eligible for certain insurance discounts. Some insurers offer discounts for eco-friendly vehicles due to their reduced environmental impact and potentially lower repair costs.
How can I find the most affordable insurance rates for a Mitsubishi Outlander PHEV?
To find the most affordable insurance rates for a Mitsubishi Outlander PHEV, it is recommended to shop around and compare quotes from multiple insurance providers. Additionally, maintaining a clean driving record, opting for higher deductibles, and taking advantage of discounts for safety features can significantly reduce premiums.
For further information, check out our guide titled “My driving record is clean, but my husband has a DUI and suspended license. How can we get car insurance?”
How much does it cost to insure a Mitsubishi Outlander PHEV?
For instance, a 30-year-old driver in a typical postcode might pay approximately $59 per month for insurance on a Mitsubishi Outlander Juro Diesel 4WD auto 5d in insurance group 19, or about $78 per month for a Mitsubishi Outlander PHEV 4h 2.0 4WD auto 5d in insurance group 32.
Is Mitsubishi car insurance expensive?
The average monthly cost for auto insurance for Mitsubishi owners is $145, which amounts to approximately $1,742 annually. Numerous factors influence your insurance rate, with the make and model of your vehicle being among the most significant.
Is car insurance cheaper for EV?
EVs are covered under the same policies as gas-powered cars and, fundamentally, driving an EV doesn’t automatically incur higher charges. However, due to their higher purchase prices, more expensive repair costs, and fewer repair shops equipped to handle them, monthly insurance premiums for EVs tend to be higher.
Is insurance cheaper on a plug-in hybrid?
Due to their specialized parts and service requirements, hybrid and electric vehicles typically have higher insurance costs than gas-powered cars when calculated on a monthly basis.
For further information, delve into our detailed guide titled “Alternative Fuel for Cars: Past, Present & Future.”
Is it worth buying a Mitsubishi Outlander PHEV?
The Mitsubishi Outlander PHEV is an adept SUV that merits consideration if you’re in search of an easy-to-drive and notably efficient vehicle for city driving, assuming you have access to overnight charging.
Do outlanders hold their value?
After five years, a Mitsubishi Outlander will depreciate by 31% and have a resale value of $24,379. These estimates apply to vehicles in good condition with an average of 12,000 miles driven per year and an initial selling price of $35,368.
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What SUVs are the most expensive to insure?
Among the top-selling SUVs in the United States, the Tesla Model Y, Toyota 4Runner, and Jeep Grand Cherokee are the most expensive to insure. These models are larger and pricier than the typical SUV, which can result in higher monthly insurance costs.
What is high mileage for a Mitsubishi Outlander?
Mitsubishi Outlander is expected to achieve between 200,000 and 250,000 miles, which is considered quite high for such vehicles. Depending on how you use it, an Outlander could serve you well for up to 15 years. This is an outstanding lifespan for a larger car.
Is it a good idea to buy a Mitsubishi?
Safety and fuel efficiency differ across models; while some receive high safety ratings and awards, others commonly encounter problems such as transmission failure. Despite these issues, Mitsubishi models like the Outlander and Mirage are recognized for their affordability and safety, making them suitable choices for certain drivers.
What makes my car insurance so expensive?
Your car insurance may be costly due to factors like your driving history, location, vehicle type, or credit history. Recent insurance claims and violations could raise your rates for three to five years. Alternatively, you might simply be with a car insurance company that charges higher rates.
Why is insurance so high on EV?
EVs often incur higher insurance costs than ICE vehicles for several reasons. They typically have higher purchase prices compared to gas-powered vehicles, their batteries are costly to repair and replace, and only a limited number of repair shops specialize in EV maintenance.
Is a plug-in hybrid worth the extra money?
Generally, PHEVs usually have higher initial costs compared to traditional cars or standard hybrids, but they tend to save money in the long run with lower fuel and maintenance expenses. However, there are numerous exceptions to this trend.
Access comprehensive insights into our guide titled “Hybrid Vehicle Car Insurance Discount.”
Do plug-in hybrids lose value?
The study revealed that older battery electric vehicles and plug-in hybrid electric vehicles with shorter driving ranges depreciate more quickly than conventional and hybrid electric cars, with Tesla being the notable exception, as its older BEV models maintain their value better.
What are the disadvantages of the Mitsubishi Outlander?
Key issues with the Mitsubishi Outlander include early brake wear, automatic transmission failure, and blower motor malfunctions. It’s advisable to steer clear of the 2014-2018 Outlander models due to these problems.
What is the life expectancy of a Mitsubishi Outlander?
Typically, a well-maintained Mitsubishi Outlander can reach 200,000 miles or more, equating to approximately 15 years of dependable use. The lifespan of your Outlander can be affected by several factors, such as consistent maintenance and servicing, along with your driving habits and conditions.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
