About $1,870 a year for full coverage on a national average — 30% more than the $1,438 average car. Insurers rate the Mitsubishi Galant at an index of 130 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2010-2012).
The premium isn't spread evenly across the Mitsubishi Galant: Medical payments — medical bills for you and passengers — carries its highest loss index at 215, while Comprehensive sits at 93. Those 122 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2012 Galant sells for a median $8,999, so a year of cover costs 20.8% of the car's value. Calculated from 7 insurance-loss records and live US listing prices.
Why a Galant costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,870: Liability (BI + PD) $898 · Collision $524 · Comprehensive $224 · Other (UM / PIP) $224.
How it changed by generation
Insurance-loss index of the Galant across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Galant has become cheaper to insure over time (-3 points).
What a Galant costs by state
Where you park matters as much as what you drive. The Galant's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Galant est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Mitsubishi Galant's loss index of 130 — your own quote also depends on age, record, deductible and ZIP.
Mitsubishi Galant insurance — frequently asked
How much is insurance for a Mitsubishi Galant?
About $1,870 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 130 applied to the US average premium.
Why is the Galant expensive or cheap to insure?
For the Mitsubishi Galant the costliest area is Medical payments at an index of 215, covering medical bills for you and passengers — against 93 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Mitsubishi Galant lands at 130, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 20.8% of what a 2012 Galant sells for — $1,870 against a median price of $8,999. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 20.8% the Galant sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Galant can differ by hundreds between two drivers.
How we work this out
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