Volkswagen Golf vs Mitsubishi Lancer Insurance Cost

The Mitsubishi Lancer is cheaper to insure by about $90 a year for full coverage by our estimate ($1,365 vs. $1,275), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Volkswagen Golf	Mitsubishi Lancer	Difference
State minimum	$615	$630	−$15
Standard (100/300/100)	$890	$915	−$25
Full coverage	$1,365	$1,275	+$90

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Golf minus Lancer.

Why one costs more to insure

Factor	Volkswagen Golf	Mitsubishi Lancer
Segment	Compact car	Compact car
Powertrains	Gasoline, Electric, Diesel	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	3

Golf vs Lancer insurance by state

State	Golf	Lancer	Difference
Alabama	$1,165	$1,070	+$95
Alaska	$1,190	$1,105	+$85
Arizona	$1,440	$1,350	+$90
Arkansas	$1,165	$1,060	+$105
California	$1,315	$1,215	+$100
Colorado	$1,535	$1,415	+$120
Connecticut	$1,480	$1,400	+$80
Delaware	$1,575	$1,510	+$65
District of Columbia	$1,710	$1,585	+$125
Florida	$2,040	$1,970	+$70
Georgia	$1,740	$1,660	+$80
Hawaii	$925	$855	+$70
Idaho	$920	$855	+$65
Illinois	$1,170	$1,080	+$90
Indiana	$960	$885	+$75
Iowa	$890	$800	+$90
Kansas	$1,055	$955	+$100
Kentucky	$1,155	$1,080	+$75
Louisiana	$1,905	$1,790	+$115
Maine	$855	$785	+$70
Maryland	$1,550	$1,460	+$90
Massachusetts	$1,340	$1,245	+$95
Michigan	$1,475	$1,370	+$105
Minnesota	$1,115	$1,020	+$95
Mississippi	$1,285	$1,180	+$105
Missouri	$1,220	$1,125	+$95
Montana	$1,050	$950	+$100
Nebraska	$1,055	$960	+$95
Nevada	$1,640	$1,585	+$55
New Hampshire	$960	$885	+$75
New Jersey	$1,700	$1,625	+$75
New Mexico	$1,215	$1,125	+$90
New York	$1,880	$1,790	+$90
North Carolina	$985	$890	+$95
North Dakota	$825	$735	+$90
Ohio	$960	$885	+$75
Oklahoma	$1,195	$1,090	+$105
Oregon	$1,260	$1,200	+$60
Pennsylvania	$1,165	$1,070	+$95
Rhode Island	$1,685	$1,600	+$85
South Carolina	$1,495	$1,420	+$75
South Dakota	$980	$865	+$115
Tennessee	$1,110	$1,020	+$90
Texas	$1,595	$1,465	+$130
Utah	$1,270	$1,205	+$65
Vermont	$855	$770	+$85
Virginia	$1,175	$1,095	+$80
Washington	$1,215	$1,150	+$65
West Virginia	$1,110	$1,010	+$100
Wisconsin	$915	$840	+$75
Wyoming	$1,000	$885	+$115

By driver profile (full coverage)

Driver	Golf	Lancer
Teen driver (18, own policy)	$3,760	$3,510
Young adult (22)	$2,190	$2,045
Adult in their 30s	$1,365	$1,275
Adult in their 50s	$1,260	$1,175
Senior (72)	$1,530	$1,430
30s, one at-fault accident	$1,985	$1,850
30s, DUI on record	$2,530	$2,365

More comparisons

Frequently asked questions

Is the Volkswagen Golf or the Mitsubishi Lancer cheaper to insure?

By our estimate the Mitsubishi Lancer is cheaper, by about $90 a year for full coverage ($1,365 vs. $1,275) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Golf and Mitsubishi Lancer?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page