Ford Mustang Car Insurance Cost 2025
On average, insuring a Ford Mustang costs $2,916 annually. However, the actual price may vary depending on factors like your age, the car’s model year, and other details. Check out our quote tables below for a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Ford Mustang, it’s important to factor in the cost of insurance. Insurance plays a big role in owning a car, so it’s crucial to understand its expenses before committing to a purchase. On average, insurance for a Ford Mustang cost $2,916 per year.
Choosing the right car insurance policy is essential to avoid unexpected and potentially high costs in the future. It’s important to ensure you have sufficient coverage in case of an accident to avoid hefty out-of-pocket expenses. Additionally, there’s the possibility of premium hikes if you’re found responsible for an accident.
With more than ten years of experience studying car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving history, and location can significantly impact insurance premiums.
How Much Does Ford Mustang Car Insurance Cost?
Ford Mustang drivers typically pay an average of $2,916 per year for car insurance.
The cost of car insurance can vary widely due to factors such as your location, driving history, car model year, and the coverage options you select. Maintaining a clean driving record can help lower premiums, while accidents or traffic violations may increase costs.
Living in an urban area with heavy traffic often results in higher insurance rates compared to rural areas with less congestion. Additionally, the type of coverage matters—comprehensive insurance, which includes both collision and comprehensive coverage, typically costs more than basic liability coverage.
As shown in the table below, insuring a Ford Mustang is generally cheaper than the average cost for all Ford models but higher than the average for all cars.
Insuranceopedia is here to help you compare quotes from multiple auto insurance providers so you can find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Ford Mustang | $147 |
| All Fords | $186 |
| All Cars | $175 |
Average Insurance Cost Of Ford Mustang By Model Year
| Model Year | Average Premium |
| 2024 Ford Mustang | $1,043 |
| 2023 Ford Mustang | $998 |
| 2022 Ford Mustang | $1,221 |
| 2021 Ford Mustang | $1,075 |
| 2020 Ford Mustang | $717 |
| 2019 Ford Mustang | $1,015 |
| 2018 Ford Mustang | $824 |
| 2017 Ford Mustang | $1,011 |
| 2016 Ford Mustang | $842 |
| 2015 Ford Mustang | $602 |
| 2014 Ford Mustang | $654 |
| 2013 Ford Mustang | $512 |
| 2012 Ford Mustang | $763 |
| 2011 Ford Mustang | $817 |
| 2010 Ford Mustang | $688 |
2024 Ford Mustang Insurance Rates
The average annual insurance cost for a 2024 Ford Mustang is $1,043. However, Victoria offers the cheapest rates, averaging $267 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Elite | $1,119 |
| ALFA | $1,393 |
| Penn National | $1,048 |
| Utica National Ins Group | $1,588 |
| Victoria | $267 |
| Pekin Insurance | $1,585 |
| Texas Farm Bureau Group | $891 |
| Direct Auto | $451 |
| Virginia Farm Bureau | $1,206 |
| AssuranceAmerica Economy | $879 |
2023 Ford Mustang Insurance Rates
The average annual insurance cost for a 2023 Ford Mustang is $998. However, Safeco offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $792 |
| Kemper Auto | Infinity | $1,324 |
| Country | $1,900 |
| Safeco | $194 |
| NatGen PPA | $707 |
| Dairyland Broadform | $877 |
| SECURA Insurance | $1,583 |
| Texas Farm Bureau Group | $859 |
| Direct Auto | $728 |
| Dairyland FR Bond | $1,016 |
2022 Ford Mustang Insurance Rates
The average annual insurance cost for a 2022 Ford Mustang is $1,221. However, Jupiter Auto Insurance offers the cheapest rates, averaging $210 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,886 |
| Pekin Insurance | $1,547 |
| Safeco | $229 |
| Atlantic States Insurance | $1,567 |
| North Carolina Farm Bureau | $1,471 |
| Titan | $1,258 |
| Buckeye Insurance Group | $1,711 |
| Mercury Insurance | $1,357 |
| Utica National Ins Group | $1,161 |
| Jupiter Auto Insurance | $210 |
2021 Ford Mustang Insurance Rates
The average annual insurance cost for a 2021 Ford Mustang is $1,075. However, Safeco offers the cheapest rates, averaging $195 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica | $862 |
| Victoria | $627 |
| Indiana Farmers Mutual Ins | $1,517 |
| Virginia Farm Bureau | $1,294 |
| Safeco | $195 |
| West Bend Mutual | $1,292 |
| AssuranceAmerica Mobile Max | $1,533 |
| Buckeye Insurance Group | $1,310 |
| Plymouth Rock | $1,090 |
| Mercury Insurance | $1,030 |
2020 Ford Mustang Insurance Rates
The average annual insurance cost for a 2020 Ford Mustang is $717. However, Jupiter Auto Insurance offers the cheapest rates, averaging $204 per year.
| Insurance Provider | Average Annual Cost |
| vPlymouth Rock Assurance | $1,146 |
| American National P | $987 |
| Mercury Insurance Company | $1,025 |
| AssuranceAmerica | $333 |
| Jupiter Auto Insurance | $204 |
| NatGen Value | $1,084 |
| Safeco | $218 |
| NatGen Custom 360 | $242 |
| Kemper Auto Premier | $1,030 |
| Titan | $1,135 |
2019 Ford Mustang Insurance Rates
The average annual insurance cost for a 2019 Ford Mustang is $1,015. However, Kemper Personal Insurance offers the cheapest rates, averaging $200 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $200 |
| SECURA Insurance | $1,297 |
| West Bend Mutual | $1,408 |
| Direct Auto | $1,382 |
| Mercury Insurance | $480 |
| American National P | $988 |
| Virginia Farm Bureau | $1,243 |
| Safeco | $258 |
| Tennessee Farmers | $1,440 |
| Pekin Insurance | $1,450 |
2018 Ford Mustang Insurance Rates
The average annual insurance cost for a 2018 Ford Mustang is $824. However, Jupiter Auto Insurance offers the cheapest rates, averaging $137 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $1,061 |
| MO Farm Bureau Services | $1,258 |
| Safeco | $146 |
| Kemper Auto | $1,322 |
| Kemper Auto Premier | $864 |
| Jupiter Auto Insurance | $137 |
| Titan | $1,061 |
| NatGen Custom 360 | $520 |
| Plymouth Rock Assurance | $1,361 |
| Mercury Insurance | $509 |
2017 Ford Mustang Insurance Rates
The average annual insurance cost for a 2017 Ford Mustang is $1,011. However, Safeco offers the cheapest rates, averaging $182 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $1,407 |
| NatGen PPA | $1,357 |
| North Carolina Farm Bureau | $1,207 |
| West Bend Mutual | $1,388 |
| SECURA Insurance | $1,162 |
| Dairyland FR Bond | $1,157 |
| Kemper Personal Insurance | $422 |
| Safeco | $182 |
| Mercury Insurance | $419 |
| Dairyland Broadform | $1,406 |
2016 Ford Mustang Insurance Rates
The average annual insurance cost for a 2016 Ford Mustang is $842. However, Safeco offers the cheapest rates, averaging $172 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $427 |
| Utica National Ins Group | $1,084 |
| Dairyland Auto 1 Month | $746 |
| SafeAuto | $1,121 |
| Mercury Insurance | $700 |
| Safeco | $172 |
| Titan | $1,151 |
| Kemper Auto Premier | $1,151 |
| North Carolina Farm Bureau | $1,151 |
| Kemper Personal Insurance | $716 |
2015 Ford Mustang Insurance Rates
The average annual insurance cost for a 2015 Ford Mustang is $602. However, Safeco offers the cheapest rates, averaging $72 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $854 |
| Safeco | $72 |
| 21st Century | $1,034 |
| Kemper Auto | $756 |
| American National P | $861 |
| AssuranceAmerica | $222 |
| AssuranceAmerica Mobile Max | $595 |
| PEMCO | $1,084 |
| Kemper Auto Premium | $147 |
| NatGen Custom 360 | $398 |
2014 Ford Mustang Insurance Rates
The average annual insurance cost for a 2014 Ford Mustang is $654. However, Safeco offers the cheapest rates, averaging $103 per year.
| Insurance Provider | Average Annual Cost |
| Georgia Farm Bureau | $912 |
| American National P&C | $844 |
| Dairyland Broadform | $932 |
| American National P | $927 |
| AssuranceAmerica Economy | $267 |
| Concord Group | $912 |
| AssuranceAmerica Elite | $321 |
| AssuranceAmerica | $753 |
| Mercury Insurance | $628 |
| Safeco | $103 |
2013 Ford Mustang Insurance Rates
The average annual insurance cost for a 2013 Ford Mustang is $512. However, Safeco offers the cheapest rates, averaging $51 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | $126 |
| Kemper Auto Premium | $685 |
| NatGen Custom 360 | $535 |
| Kemper Personal Insurance | $281 |
| North Carolina Farm Bureau | $1,034 |
| American National P | $1,029 |
| Mercury Insurance | $318 |
| Safeco | $51 |
| PEMCO | $820 |
| AssuranceAmerica | $237 |
2012 Ford Mustang Insurance Rates
The average annual insurance cost for a 2012 Ford Mustang is $763. However, Safeco offers the cheapest rates, averaging $116 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,072 |
| Virginia Farm Bureau | $828 |
| Kemper Personal Insurance | $476 |
| Mercury Insurance | $242 |
| SECURA Insurance | $999 |
| Norfolk and Dedham Group | $1,145 |
| Pekin Insurance | $1,081 |
| Utica National Ins Group | $723 |
| West Bend Mutual | $945 |
| Safeco | $116 |
2011 Ford Mustang Insurance Rates
The average annual insurance cost for a 2011 Ford Mustang is $817. However, Safeco offers the cheapest rates, averaging $79 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $79 |
| North Carolina Farm Bureau | $951 |
| SafeAuto | $915 |
| Kemper Auto Premium | $705 |
| North Star | $1,195 |
| Southern Farm Bureau | $1,123 |
| Utica National Ins Group | $980 |
| Mercury Insurance | $580 |
| American National P | $560 |
| Mercury Insurance Company | $1,077 |
2010 Ford Mustang Insurance Rates
The average annual insurance cost for a 2010 Ford Mustang is $688. However, Safeco offers the cheapest rates, averaging $63 per year.
| Insurance Provider | Average Annual Cost |
| Rockford Mutual Insurance | $1,013 |
| Safeco | $63 |
| Kemper Auto Premium | $457 |
| Pekin Insurance | $881 |
| Clearcover | $733 |
| Mercury Insurance | $204 |
| PEMCO | $961 |
| North Carolina Farm Bureau | $809 |
| SECURA Insurance | $938 |
| Kemper Auto Premier | $821 |
Find Affordable Ford Mustang Insurance Rates
Is A Ford Mustang Expensive To Insure?
Insuring a Ford Mustang typically costs less than the overall average for all cars. However, your actual insurance rate will depend on factors like your age, the vehicle’s age, your location, and other personal details.
Cost of Ford Mustang Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers generally face the highest premiums due to their higher likelihood of being involved in accidents. However, as drivers age and gain more experience, their premiums typically decrease because they are considered lower risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,599 | $12,726 | $14,813 |
| 18 | $8,082 | $11,784 | $13,871 |
| 19 | $7,070 | $10,422 | $12,266 |
| 20 | $6,208 | $9,113 | $10,641 |
| 21 | $5,195 | $7,684 | $8,916 |
| 22 | $5,099 | $7,477 | $8,739 |
| 23 | $4,386 | $6,542 | $7,618 |
| 24 | $4,217 | $6,177 | $7,280 |
| 25 | $3,654 | $5,294 | $6,234 |
| 30 | $2,803 | $4,163 | $4,821 |
| 35 | $2,628 | $3,927 | $4,571 |
| 40 | $2,541 | $3,732 | $4,343 |
| 45 | $2,439 | $3,608 | $4,256 |
| 55 | $2,301 | $3,376 | $3,872 |
| 65 | $2,384 | $3,458 | $4,047 |
| 75 | $2,981 | $4,442 | $5,178 |
Ford Mustang Car Insurance Rates By State
Your location significantly influences how insurance companies determine rates. Each state has its own regulations for auto insurance, with some, like Michigan, requiring higher levels of coverage, leading to higher premiums.
Additionally, local climate conditions, such as hurricanes, storms, and flooding, can impact rates. Crime and accident statistics, including car thefts, crashes, and fatality rates, also vary by area and are factored into your Ford Mustang insurance cost. Insurers analyze all these elements to calculate your specific premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,702 | $3,878 | $4,977 |
| Alaska | $2,277 | $3,080 | $3,034 |
| Arizona | $2,560 | $3,617 | $5,407 |
| Arkansas | $2,741 | $4,386 | $4,798 |
| California | $3,045 | $5,483 | $3,043 |
| Colorado | $2,850 | $4,034 | $5,066 |
| Connecticut | $3,650 | $5,734 | $7,275 |
| Delaware | $2,998 | $4,043 | $5,245 |
| Florida | $3,661 | $4,994 | $6,528 |
| Georgia | $2,986 | $4,431 | $4,477 |
| Hawaii | $1,212 | $1,629 | $1,162 |
| Idaho | $2,058 | $2,672 | $3,340 |
| Illinois | $2,138 | $3,270 | $3,714 |
| Indiana | $2,221 | $3,324 | $3,780 |
| Iowa | $1,793 | $2,415 | $2,841 |
| Kansas | $2,325 | $3,332 | $3,923 |
| Kentucky | $3,404 | $4,903 | $5,836 |
| Louisiana | $4,344 | $6,540 | $7,080 |
| Maine | $1,583 | $2,297 | $3,375 |
| Maryland | $2,600 | $3,840 | $4,219 |
| Massachusetts | $2,099 | $3,738 | $2,106 |
| Michigan | $5,085 | $7,789 | $12,279 |
| Minnesota | $2,136 | $2,849 | $3,961 |
| Mississippi | $2,586 | $3,661 | $3,609 |
| Missouri | $2,422 | $3,454 | $4,510 |
| Montana | $2,424 | $3,404 | $3,936 |
| Nebraska | $2,060 | $2,998 | $3,289 |
| Nevada | $3,350 | $5,059 | $5,282 |
| New Hampshire | $2,353 | $3,732 | $4,696 |
| New Jersey | $2,585 | $4,076 | $5,310 |
| New Mexico | $2,618 | $3,970 | $4,128 |
| New York | $2,430 | $3,135 | $5,210 |
| North Carolina | $1,558 | $2,586 | $1,898 |
| North Dakota | $2,129 | $3,158 | $3,699 |
| Ohio | $1,836 | $2,882 | $2,957 |
| Oklahoma | $2,984 | $4,231 | $4,755 |
| Oregon | $2,674 | $3,630 | $4,296 |
| Pennsylvania | $2,278 | $3,326 | $3,935 |
| Rhode Island | $3,831 | $5,597 | $6,301 |
| South Carolina | $2,557 | $3,583 | $4,885 |
| South Dakota | $2,306 | $3,351 | $3,880 |
| Tennessee | $2,682 | $4,046 | $5,374 |
| Texas | $2,754 | $3,944 | $4,966 |
| Utah | $2,320 | $3,284 | $4,508 |
| Vermont | $1,830 | $2,801 | $2,949 |
| Virginia | $1,689 | $2,553 | $2,540 |
| Washington | $2,207 | $2,999 | $3,594 |
| West Virginia | $2,218 | $3,264 | $4,050 |
| Wisconsin | $2,264 | $3,533 | $3,967 |
| Wyoming | $2,081 | $2,968 | $3,094 |
Cheapest Car Insurance Companies For A Ford Mustang
If you’re in the market for a new car insurance policy for your Ford Mustang, identifying the most affordable providers is key. Safeco stands out as the cheapest option, offering an average premium of $78 per month. However, rates can vary depending on your unique driver profile. To find the best rates tailored to your situation, it’s important to shop around and compare quotes from different insurers.
| Company | Average Monthly Rate |
| Safeco | $78 |
| National General | $126 |
| SafeAuto | $100 |
| Direct Auto | $148 |
| Farmers | $93 |
Common Ford Mustang Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While specific discounts vary by provider, here are some common ones to explore:
- Multi-policy: Bundling your auto and home insurance with the same company often leads to a lower rate.
- Pay annually: Paying your premium in full upfront instead of monthly installments can save you money.
- Defensive driving: Completing a certified defensive driving course may qualify you for a discount.
There may be additional discounts available based on your circumstances. Consult your insurance agent to identify all the options you’re eligible for and maximize your savings.
Compare Ford Mustang To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that these figures may differ from your actual results, as individual rates depend on your unique profile and coverage needs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Ford Mustang?
Yes, proof of insurance is required before you can drive your Ford Mustang off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about the upcoming purchase, rather than relying on the dealership to provide coverage.
How Can You Get The Cheapest Insurance For Your Ford Mustang?
To secure the cheapest rates for your Ford Mustang, it’s important to shop around and compare quotes from various auto insurance companies. Insuranceopedia simplifies this process by allowing you to compare quotes from multiple providers directly on our website.
