Compare Cheap Ford Mustang Insurance Quotes

If you want to buy cheap Ford Mustang insurance coverage then you should know that a policy will cost $139 per month ($1,666 per year) on average. On average, Ford Mustang comprehensive insurance coverage costs $406, collision coverage costs $592, and liability coverage costs $470.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,666 a year or $139 each month
  • A liability-only policy costs around $668 a year or $56 each month
  • Highest rates are for teenage drivers at around $6,089 a year or $507 each month
  • Good drivers can save as much as $687 a year by earning policy discounts
  • Ford Mustang insurance costs around $147 more per year than the average vehicle

Ford Mustang insurance rates can be more expensive. Ford Mustang insurance costs around $147 more per year than the average vehicle. Read our comprehensive guide to learn what you can do to keep insurance rates for a Ford Mustang reasonable.

You can start comparing quotes for Ford Mustang car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Mustang Insurance Cost

The average Ford Mustang auto insurance costs are $1,666 a year or $139 a month.

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Are Ford Mustangs Expensive to Insure?

The chart below details how Ford Mustang insurance rates compare to other sports cars like the Audi TTS, Audi TT RS, and Porsche 718 Boxster.

Vehicle Comprehensive Collision Liability Total
Ford Mustang $348 $718 $420 $1,666
Audi TTS $394 $714 $338 $1,582
Audi TT RS $420 $774 $338 $1,668
Porsche 718 Boxster $444 $952 $338 $1,870
Kia Stinger $332 $626 $450 $1,588
Audi RS 7 $532 $1102 $398 $2,190
Porsche 911 $482 $1042 $398 $2,080
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However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Mustang Insurance?

You might have noticed that there is a multitude of factors that impact Ford Mustang car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Ford Mustang.

Age of the Vehicle

Older Ford Mustang models generally cost less to insure. For example, auto insurance for a 2020 Ford Mustang costs $1,666, while 2010 Ford Mustang insurance costs are $1,346, a difference of $320.

Model Year Comprehensive Collision Liability Total
2020 Ford Mustang $348 $718 $420 $1,666
2019 Ford Mustang $332 $690 $440 $1,642
2018 Ford Mustang $320 $686 $450 $1,636
2017 Ford Mustang $308 $668 $470 $1,626
2016 Ford Mustang $298 $640 $486 $1,604
2015 Ford Mustang $282 $618 $500 $1,580
2014 Ford Mustang $270 $574 $510 $1,534
2013 Ford Mustang $260 $540 $514 $1,494
2012 Ford Mustang $248 $484 $520 $1,432
2011 Ford Mustang $232 $446 $520 $1,378
2010 Ford Mustang $224 $418 $524 $1,346
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Driver Age

Driver age can have a significant effect on Ford Mustang car insurance rates. For example, 20-year-old drivers pay $2,038 more for their Ford Mustang car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Mustang insurance rates. For example, drivers in Los Angeles may pay $1,433 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Ford Mustang auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Mustang car insurance with violations on their driving record.

Ford Mustang Safety Ratings

Your Ford Mustang auto insurance rates are tied to the Ford Mustang’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Ford Mustang Crash Test Ratings

Poor Ford Mustang crash test ratings could mean higher Ford Mustang car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
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
2019 Ford Mustang 2 DR RWD 5 stars 5 stars 5 stars 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 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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Ford Mustang Safety Features

The numerous safety features of the Ford Mustang help contribute to lower insurance rates. The 2020 Ford Mustang has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Ford Mustang Insurance Loss Probability

The Ford Mustang’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Mustang, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision 75%
Property Damage -20%
Comprehensive 31%
Personal Injury 9%
Medical Payment 36%
Bodily Injury 17%
Source: Insurance Institute for Highway Safety
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Ford Mustang Finance and Insurance Cost

If you are financing a Ford Mustang, most lenders will require your carry higher Ford Mustang coverage options including comprehensive coverage, so be sure to shop around and compare Ford Mustang auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Mustang Insurance

Save more on your Ford Mustang car insurance rates. Take a look at the following five strategies that will get you the best Ford Mustang auto insurance rates possible.

  • Consider Ride Sharing Services to Lower Your Ford Mustang Mileage
  • Compare Ford Mustang Quotes for Free Online
  • Pay Your Ford Mustang Insurance Upfront
  • Purchase a Roadside Assistance Program for Your Ford Mustang
  • Take Advantage of Referral Fees

Top Ford Mustang Insurance Companies

Who is the top car insurance company for Ford Mustang insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Mustang auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Mustang offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Start comparing Ford Mustang car insurance quotes for free by using our convenient online comparison tool.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
0
0
0
2014
2
2
2
2
2013
2
2
2
2
2012
2
2
2
2
2011

Crash Avoidence Features

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