Compare Mitsubishi car insurance estimates from NZ's top providers. Whether you drive an Outlander, ASX, Triton, or Eclipse Cross, find the right cover at the right price - comprehensive, third party, or fire & theft.
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Mitsubishi has a long history in New Zealand, with the Outlander PHEV being one of the country's best-selling plug-in hybrid vehicles. The Triton ute is a strong seller in the commercial market, while the ASX and Eclipse Cross serve as affordable SUV options. Mitsubishi's focus on value and practicality makes them a solid choice for NZ families.
From an insurance perspective, Mitsubishis are generally affordable to insure. Most models sit in low-to-mid insurance groups, with good parts availability, reasonable repair costs, and competitive safety ratings. The Outlander PHEV may attract slightly different premiums due to its hybrid battery system, though most insurers now have experience pricing these vehicles.
All major NZ insurance providers - including AA Insurance, AMI, State, Tower, and ANZ - offer cover for Mitsubishi vehicles. See our full NZ car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Mitsubishi models in New Zealand. Based on a 35-year-old driver with a clean record in Auckland.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Mitsubishi Lancer | Sedan | $4,000-$15,000 | $400-$650 | Low | Discontinued but still common in NZ. Very affordable to insure. |
| Mitsubishi ASX | Small SUV | $10,000-$35,000 | $550-$900 | Low-Mid | Affordable compact SUV. Good entry-level option with competitive insurance. |
| Mitsubishi Eclipse Cross | Small SUV | $18,000-$45,000 | $650-$1,000 | Mid | Stylish compact SUV with PHEV option. Mid-range insurance costs. |
| Mitsubishi Outlander | Mid-size SUV | $15,000-$55,000 | $700-$1,100 | Mid | Popular family SUV. PHEV variant is one of NZ's top plug-in hybrids. |
| Mitsubishi Triton | Ute | $20,000-$55,000 | $700-$1,150 | Mid | Popular work and lifestyle ute. Commercial use may affect premiums. |
| Mitsubishi Pajero Sport | Large SUV | $25,000-$60,000 | $750-$1,200 | Mid | Body-on-frame SUV for towing and off-road. Robust and affordable to insure. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Mitsubishi's age and value.
Covers damage you cause to other vehicles or property. Your Mitsubishi is not covered. Best for older Mitsubishis worth under $3,000.
Adds fire and theft protection for your Mitsubishi. Good value for Mitsubishis worth $3,000-$10,000 where replacement cost matters.
Full protection for your Mitsubishi. Covers accident damage, theft, fire, weather, vandalism, and third-party liability. Commonly chosen for Mitsubishis worth $10,000+. PHEV owners may want to check battery cover details.
Understanding these factors can help you find cheaper Mitsubishi insurance in NZ.
A Mitsubishi Lancer is cheaper to insure than an Outlander or Pajero Sport. Newer models with advanced safety features may qualify for discounts.
Drivers under 25 pay considerably more. Over-25s with a clean licence and driving history get the best rates on Mitsubishi insurance.
Auckland and Wellington typically have higher premiums than smaller centres due to higher theft rates and traffic density.
Mitsubishis with factory immobilisers, alarms, or aftermarket tracking devices can attract lower premiums from some NZ insurers.
Up to 65% discount for claim-free years. Protect your NCB - some insurers offer bonus protection so one claim doesn't reset it.
Mitsubishi Outlander PHEV owners may find slightly different premiums due to hybrid battery considerations. Some insurers offer green vehicle discounts.
Practical ways to reduce your Mitsubishi insurance premium without sacrificing cover.
Mitsubishi premiums can vary by $300+ between providers for the same cover. Always get at least 3 estimates before choosing.
Raising your excess from $400 to $750 can save 10-20% on your premium. Only do this if you can afford the higher excess if you claim.
Most NZ insurers charge a loading for monthly payments. Paying annually can save 5-10% on your Mitsubishi policy.
Insure your Mitsubishi alongside your home or contents insurance with the same provider. Multi-policy discounts of 5-15% are common in NZ.
If you drive an Outlander PHEV or Eclipse Cross PHEV, some insurers offer discounts for low-emission vehicles. Ask about green vehicle savings.
Garaging your Mitsubishi overnight and installing an approved alarm or immobiliser can reduce premiums. Let your insurer know about security features.
Key facts about Mitsubishi vehicle security and safety performance in NZ.
Mitsubishi vehicles have a moderate theft risk in New Zealand. The Triton ute may attract some attention due to ute theft trends, but overall Mitsubishis are not among the most targeted brands. Modern models with factory immobilisers provide strong theft deterrence. Check NZ Police data for the latest stolen vehicle statistics.
Mitsubishi's current model lineup has improved significantly in safety. Most models now feature Mitsubishi's safety suite with forward collision mitigation, lane departure warning, and adaptive cruise control.
Common questions about insuring your Mitsubishi in New Zealand.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit the Financial Markets Authority (FMA).
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