Ford Mustang Insurance Rates
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Is insurance higher for Mustangs?
There is a lot of discussion on the net about whether or not insurance premiums are higher for Mustang owners. Depending on who you ask, you will get different answers. Some people say that they pay considerably more than their neighbors who drive Honda Civics and Toyota Camrys do.
Why are Mustangs so expensive to insure?
The average price for Mustang insurance is $3,600. This may have you looking around at the cheapest cars to insure or asking why Mustangs are so expensive to insure. Before we look into it further, let's look at what factors determine the cost of auto insurance.
How much is insurance for a 17 year old with a Mustang?
That really depends on the company you go with. They take many factors into consideration when determining your monthly payments, like how many claims were filed against drivers in your age group, your driving history (both accidents/tickets), etc
How much is insurance for a 16 year old with a Mustang GT?
That really depends on the company you go with. They take many factors into consideration when determining your monthly payments, like how many claims were filed against drivers in your age group, your driving history (both accidents/tickets), etc.
Ford Mustang Trims Available
| Ford Mustang Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Ecoboost Convertible | $1491 | $747 | $125 |
| Ecoboost Coupe | $1527 | $757 | $127 |
| Ecoboost Premium Convertible | $1598 | $791 | $132 |
| Ecoboost Premium Coupe | $1624 | $808 | $135 |
| Mach-E | $1631 | $810 | $137 |
| GT Coupe | $1665 | $835 | $137 |
| GT Premium Convertible | $1689 | $839 | $141 |
| GT Premium Coupe | $1701 | $853 | $142 |
| Bullitt Coupe | $1811 | $890 | $149 |
| Mach-1 | $1824 | $924 | $153 |
| Mach-1 Premium | $1870 | $947 | $157 |
| Shelby GT500 | $2057 | $1031 | $169 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Ford Mustang | $335 | $696 | $440 | $1641 |
| 2019 Ford Mustang | $323 | $691 | $456 | $1644 |
| 2018 Ford Mustang | $311 | $667 | $473 | $1645 |
| 2017 Ford Mustang | $297 | $641 | $485 | $1596 |
| 2016 Ford Mustang | $281 | $618 | $507 | $1576 |
| 2015 Ford Mustang | $273 | $573 | $508 | $1553 |
| 2014 Ford Mustang | $263 | $540 | $513 | $1512 |
| 2013 Ford Mustang | $250 | $484 | $519 | $1429 |
| 2012 Ford Mustang | $235 | $449 | $521 | $1395 |
| 2011 Ford Mustang | $225 | $420 | $522 | $1345 |
| 2010 Ford Mustang | $222 | $395 | $541 | $1339 |
| 2009 Ford Mustang | $201 | $363 | $538 | $1281 |
| 2008 Ford Mustang | $200 | $330 | $538 | $1261 |
| 2007 Ford Mustang | $183 | $304 | $533 | $1200 |
| 2006 Ford Mustang | $174 | $276 | $540 | $1161 |
| 2005 Ford Mustang | $170 | $246 | $533 | $1138 |
| 2004 Ford Mustang | $168 | $240 | $527 | $1108 |
| 2003 Ford Mustang | $161 | $230 | $511 | $1085 |
| 2002 Ford Mustang | $150 | $220 | $506 | $1060 |
| 2001 Ford Mustang | $145 | $208 | $507 | $1031 |
Crash Tests Ratings
| Vehicle Tested | Overall Rating | Frontal Crash | Side Crash | Rollover |
|---|---|---|---|---|
| 2021 Ford Mustang GT500 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2021 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2021 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Ford Mustang GT350R 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2020 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Ford Mustang GT350R 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2018 Ford Mustang GT350R 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2018 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2017 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2017 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2016 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2015 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2015 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2014 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2014 Ford Mustang 2 DR RWD | 4 stars | 4 stars | 4 stars | 5 stars |
| 2013 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2013 Ford Mustang 2 DR RWD | 4 stars | 4 stars | 4 stars | 5 stars |
| 2012 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2012 Ford Mustang 2 DR RWD | 4 stars | 4 stars | 4 stars | 5 stars |
| 2011 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2011 Ford Mustang 2 DR RWD | N/R | N/R | N/R | 5 stars |
Cost by Driver Age and Deductibles
| Driver Age | Deductible | Annual Cost | Monthly Cost |
|---|---|---|---|
| 20 | $1013 | $2828 | $235 |
| $503 | $3379 | $281 | |
| $250 | $3970 | $329 | |
| 30 | $997 | $1489 | $124 |
| $499 | $1816 | $152 | |
| $252 | $2112 | $175 | |
| 40 | $1005 | $1428 | $118 |
| $498 | $1706 | $143 | |
| $253 | $2003 | $168 | |
| 50 | $1012 | $1290 | $109 |
| $503 | $1542 | $129 | |
| $250 | $1798 | $151 | |
| 60 | $1008 | $1285 | $106 |
| $500 | $1531 | $126 | |
| $250 | $1793 | $149 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1502 | $160 | -9.7% |
| Alaska | $1278 | $385 | -23.4% |
| Arizona | $1383 | $279 | -17.0% |
| Arkansas | $1662 | -$0 | 0.0% |
| California | $1897 | $235 | 14.3% |
| Colorado | $1588 | $75 | -4.6% |
| Connecticut | $1709 | $47 | 2.8% |
| Delaware | $1883 | $221 | 13.5% |
| Florida | $2082 | $419 | 25.5% |
| Georgia | $1537 | $126 | -7.7% |
| Hawaii | $1193 | $470 | -28.7% |
| Idaho | $1128 | $535 | -32.6% |
| Illinois | $1237 | $425 | -25.9% |
| Indiana | $1253 | $409 | -24.9% |
| Iowa | $1122 | $541 | -32.9% |
| Kansas | $1579 | $83 | -5.1% |
| Kentucky | $2268 | $605 | 36.9% |
| Louisiana | $2462 | $800 | 48.7% |
| Maine | $1029 | $634 | -38.6% |
| Maryland | $1373 | $290 | -17.6% |
| Massachusetts | $1328 | $334 | -20.4% |
| Michigan | $2890 | $1227 | 74.7% |
| Minnesota | $1391 | $271 | -16.5% |
| Mississippi | $1995 | $332 | 20.2% |
| Missouri | $1478 | $184 | -11.2% |
| Montana | $1788 | $126 | 7.7% |
| Nebraska | $1312 | $350 | -21.4% |
| Nevada | $1995 | $332 | 20.2% |
| New Hampshire | $1201 | $462 | -28.1% |
| New Jersey | $1861 | $198 | 12.0% |
| New Mexico | $1472 | $190 | -11.5% |
| New York | $1754 | $91 | 5.6% |
| North Carolina | $960 | $703 | -42.8% |
| North Dakota | $1363 | $300 | -18.2% |
| Ohio | $1148 | $514 | -31.3% |
| Oklahoma | $1707 | $45 | 2.7% |
| Oregon | $1523 | $140 | -8.5% |
| Pennsylvania | $1586 | $77 | -4.7% |
| Rhode Island | $2221 | $559 | 34.0% |
| South Carolina | $1509 | $154 | -9.4% |
| South Dakota | $1403 | $259 | -15.8% |
| Tennessee | $1456 | $207 | -12.6% |
| Texas | $2003 | $340 | 20.8% |
| Utah | $1231 | $431 | -26.2% |
| Vermont | $1140 | $522 | -31.8% |
| Virginia | $996 | $666 | -40.6% |
| Washington | $1284 | $379 | -23.1% |
| West Virginia | $1527 | $136 | -8.3% |
| Wisconsin | $1150 | $512 | -31.2% |
| Wyoming | $1482 | $180 | -10.9% |
Diversity
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 53.2% |
| Property damage | 18.9% |
| Comprehensive | 15.9% |
| Personal injury | 21.7% |
| Medical payment | 23.8% |
| Bodily injury | 18.1% |
Other Ford models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
