- A Mitsubishi Eclipse Cross is more expensive to insure compared to the average SUV.
- Full coverage car insurance for an Eclipse Cross comes in at around $187 a month, on average, while liability only insurance typically averages about $116 monthly.
- Commonwealth Casualty is the most affordable insurance company for an Eclipse Cross with a national average of just $42 per month for liability only coverage.
In This Article
Eclipse Cross Overview
With a base price of just $23,395 for 2022 models, the Mitsubishi Eclipse Cross is a great budget-friendly car for drivers of all types. Drive off the dealership lot in style, with a choice of three different trim options.
We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that Mitsubishi Eclipse Cross insurance prices run around $175 monthly, on average. But how does that compare to other SUVs on the market?
|Current Base Price||$23,395|
|Trim Levels||ES, LE, SE/SEL|
|Average Insurance Premium||$175/mo.|
|Cheapest Insurance Company||Commonwealth Casualty|
How Much is Car Insurance for a Mitsubishi Eclipse Cross?
|Vehicle||Liability Only||Full Coverage|
|Mitsubishi Eclipse Cross||$116||$187|
|All Mitsubishi Models||$87||$179|
|Average Insurance Premium||$81||$169|
In the table above, you'll see that auto insurance premiums for a Mitsubishi Eclipse Cross are higher than average. Eclipse Cross owners can expect to pay about $116 a month for liability insurance, and around $187 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").
When you compare it to other Mitsubishi models, the Eclipse Cross's insurance premium is on par with the rest of the automaker's vehicle lineup. However, Eclipse Cross coverage is higher than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive rates than other SUVs.
When compared to all vehicles, regardless of model, body style, or make, the Eclipse Cross follows a similar pattern of having above average car insurance prices.
Who has the Cheapest Car Insurance for a Mitsubishi Eclipse Cross?
|Insurance Company||Average Monthly Premium|
If you're looking for an auto insurance policy for a Mitsubishi Eclipse Cross, you might be most interested in which carrier offers the cheapest prices. 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 $22 a month from Mercury. The runner up for cheapest rates is Infinity, with insurance policies starting as low as just $33 a month.
Safeco, Amica, and Commonwealth Casualty round out the end of the top 5 list. 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, car insurance companies look at a variety of different things when calculating premiums, so your results might be different. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from several auto insurance carriers.
What Factors Affect Car Insurance Rates for a Mitsubishi Eclipse Cross?
There are an array of variables that insurance companies consider to determine how much they charge you for car insurance -- and each carrier uses a different method, so there's not a singular company that's the cheapest for every driver.
Below are just a few of the variables auto insurance carriers look at and how each one affects your final rate:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$103|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
Since the Mitsubishi Eclipse Cross has only been around for two or three model years, vehicle age won't come into play the same way it might for other vehicles. Typically, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.
Based on the information in the above table, Eclipse Cross rates are normally about between $103 and $136 per month.
|Age||Average Monthly Premium|
How old you are plays a significant role in how much you pay for car insurance. Because the Mitsubishi Eclipse Cross is pretty new to the market, we're just starting to collect data on how age is affecting auto insurance premiums. So far, based on the table above, young Eclipse Cross drivers pay less for insurance than older Eclipse Cross drivers.
Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Eclipse Cross drivers.
|Gender||Average Monthly Premium|
You may not know, but men generally pay more for car insurance than women do. This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim. When it comes to Eclipse Cross drivers specifically, men pay around $151 monthly for auto insurance, while women pay about $89. But, due to the limited amount of Eclipse Cross data, this pricing may not be representative of the prices you may see.
Where You Live
|State||Average Monthly Premium|
It may seem like common sense that factors such as how old you are and what vehicle you drive play a role in your insurance rates, but you may not realize that where you live can have just as much as an impact. Because auto insurance is regulated on a state-by-state basis, premiums fluctuate quite a bit depending on what state you reside in.
Because the Eclipse Cross is a relatively new vehicle, our data sets are somewhat limited. Even so, you can see in the table above that New York has rates that are significantly more expensive than any other state. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change between states.
Mitsubishi Eclipse Cross Car Insurance Discounts
Whatever which car you drive, what state you live in, or how old you are, using as many discounts as possible when it comes to your insurance policy is always in your best interest.
Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:
- Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
- Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments
- Multi-car discounts for having more than one vehicle on your auto policy
But these aren't the only discounts insurance carriers offer to their customers. Some of the best ways to save are just by having a good driving history and positive insurance profile.
Even though you can't control every factor car insurance companies take a look at to calculate premiums (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use to your favor in order to save on auto insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
You've most likely heard ads from insurance carriers promoting large discounts for responsible drivers. And you probably wouldn't be surprised that if you get a ticket for speeding or get into an accident, auto insurance rates will go up. But you're probably wondering exactly how much these infractions can cost you.
Unfortunately, we don't have enough data on file for Mitsubishi Eclipse Cross drivers specifically, since it is a relatively new SUV. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost Eclipse Cross drivers when it comes to car insurance.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
The total distance you drive annually plays a big role when it comes to your insurance premiums. Those who are on the roads less have fewer opportunities to get into an accident, so they'll typically end up paying less for auto insurance. Since the Mitsubishi Eclipse Cross is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, drivers who travel 7,500 - 10,000 miles each year are offered the highest rates.
If you drive less often than the average driver or work from home, it may be worth getting pay-per-mile or usage-based car insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Mitsubishi Eclipse Crosses Compare to Other Vehicles?
If you're thinking about purchasing a Mitsubishi Eclipse Cross, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering.
Check out the table below to see how the Mitsubishi Eclipse Cross compares:
|Mitsubishi Eclipse Cross||National Average|
|Full Coverage Insurance||$165||$169|
|Average Annual Mileage||12,645||11,617|
With an MSRP that's a third less than the going rate for a new vehicle, the Mitsubishi Eclipse Cross is a great value when it comes to price. While the average vehicle MSRP in the U.S. is $46,192, the Eclipse Cross has an MSRP of just $23,395.
Liability insurance for a Mitsubishi Eclipse Cross is, while full coverage is $4 less per month.
When it comes to usage, Mitsubishi Eclipse Cross drivers are far from the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Eclipse Cross's 12,645 every year.
Mitsubishi Eclipse Cross Car Insurance Costs by Model Year
We've walked through many of the things that can affect how much you might pay for auto insurance. But if you're considering buying a new Eclipse Cross, knowing what you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.
2020 Mitsubishi Eclipse Cross Car Insurance
|Liability Only Avg. Premium||$105|
|Full Coverage Avg. Premium||$191|
|Cheapest Insurance Company||Amica - $42/mo.|
|Available Trims||ECLIPSE CROSS, ES, LE/SP, SE/SEL|
The average cost to insure a 2020 Mitsubishi Eclipse Cross with liability only coverage is $105 a month, while full coverage runs around $191 monthly.
With rates sometimes as little as $42 per month, Amica offered the lowest policy we found.
Interested in what your car insurance price will be? Just enter your ZIP code below to get multiple free personalized quotes.
2019 Mitsubishi Eclipse Cross Car Insurance
|Liability Only Avg. Premium||$133|
|Full Coverage Avg. Premium||$203|
|Cheapest Insurance Company||Mercury - $22/mo.|
|Available Trims||ES, LE/SP, SE/SEL|
You can expect full coverage for a 2019 Eclipse Cross to run about $203 a month, while liability only coverage will average around $133 per month.
Mercury has prices as cheap as just $22 a month for the 2019 Mitsubishi Eclipse Cross.
If you want to know exactly how much you can expect to pay for your Eclipse Cross, just enter your ZIP code below and get free quotes in minutes.
2018 Mitsubishi Eclipse Cross Car Insurance
|Liability Only Avg. Premium||$103|
|Full Coverage Avg. Premium||$175|
|Cheapest Insurance Company||Infinity - $26/mo.|
|Available Trims||ES, LE, SE/SEL|
2018 Mitsubishi Eclipse Cross drivers can expect to pay an average of $103 monthly for liability or $175 for full coverage.
Infinity offered the most affordable policy we found, with rates sometimes as cheap as $26 per 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.
Mitsubishi Eclipse Cross Insurance FAQs
Is a Mitsubishi Eclipse Cross expensive to insure?
Compared to the national average of all SUVs, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $116 a month, while full coverage will cost you around $187.
How can I get the best price on car insurance for my Mitsubishi Eclipse Cross?
There's only one way to ensure you're getting the cheapest 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 prices from quite a few companies 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 Cross affect my insurance rates?
You may have heard that it costs more to insure red cars than silver or white ones, but that's just a myth. While there are lots of factors auto insurance carriers think about when they offer prices, the color of your car is not one of them.
Do I need to have insurance before I buy a Mitsubishi Eclipse Cross?
You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) Eclipse Cross off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but it's best to let your insurance carrier know before you buy.
What car insurance discounts can I get for my Mitsubishi Eclipse Cross?
There are a variety of discounts out there for car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Eclipse Cross has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to contact your insurance company and ask about their discounts, since they differ quite a bit from carrier to carrier.