Ford Mustang insurance rates

Average Ford Mustang insurance rates

Last updated:

Red Ford Mustang 2019

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

How much is car insurance for a Ford Mustang?

Many people believe that muscle cars like the Mustang are expensive to insure, but that’s not always the case. The average cost of auto insurance for a Ford Mustang is $166 a month or $1,992 a year, roughly $500 above the national average. However, your actual cost may vary depending on your location, driving history, vehicle options and more.

  • Licensed broker
  • Fast, online quotes
  • Compare 10+ policies at once

Find the best insurance for your Mustang with Gabi

Get free quotes from top insurers for the exact coverage you need in minutes.

  • Licensed broker
  • Quick quotes
  • Bundling discounts
  • Convenient account management
  • Personal advisors

Get insurance quotes for your Mustang

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.

Compare up to 4 providers

How to compare insurance for the Ford Mustang

Introduced in 1965, the Ford Mustang is an iconic American muscle car that is currently in its sixth generation. The release of the Mustang spearheaded the “pony car” class of American muscle cars, affordable sports coupes by the likes of the Chevrolet Camaro and Dodge Challenger. Sports cars have different insurance needs than other cars, so it pays to compare the right coverage for your model.

  • Price. Be sure to use the same driver and vehicle details when getting quotes. This will help you compare similar coverage to find the best price.
  • Deductible. Your deductible amount can affect your premiums. Policies with higher deductibles often cost less than those with low deductibles.
  • Minimum coverage. Find out about your state’s minimum requirements before shopping around. Make sure that your state’s minimums are met before committing to a policy.
  • Additional coverage. Pet insurance and personal injury protection are two of many additional coverage options you may come across. Be sure to include any additional coverage when getting quotes to get an accurate estimate.
  • Extras. Find out what features are included as part of your policy. While some providers may include extras for free, others might charge a fee for them.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Some automakers have partnerships with insurance providers. Find out if you are eligible for any manufacturer offers or loyalty discounts.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

Car insurance rates for Ford Mustang by year

Ready to get insured?
Get free quotes from top insurers for the exact coverage you need in minutes.

Need help? Talk to a customer specialist

X
YearProgressiveGeicoState FarmAverage
2009$210$217$154$194
2010$211$207$166$195
2011$213$207$170$197
2012$212$207$199$206
2013$211$207$199$206
2014$211$207$205$208
2015$210$371$203$261
2016$388$382$210$327
2017$346$390$246$327
2018$346$315$241$301
2019$346$318$250$305

What factors affect car insurance rates for Ford Mustang?

Learn how the Mustang’s characteristics could affect the price you pay for auto insurance.

  • Body type. The Mustang is a two-door coupe that is designed for performance, which could raise the cost of insurance.
  • Type of car. Muscle cars like the Mustang have the potential to be driven more aggressively than other types of vehicles. This could lead to more expensive auto insurance.
  • Theft. Pony cars like the Mustang are some of the most frequently stolen types of vehicles, which could translate to higher insurance premiums,
  • Repairs. The Mustang has a fairly low average repair cost of just under $200. This could help bring down the cost of insurance.
  • Safety ratings. The Mustang has great safety features and crash test ratings, which could lead to auto insurance discounts.
  • Fuel type. The Ford Mustang runs on gas, making it cheaper to insure compared to diesel or hybrid vehicles.
  • Trim & packages. Choosing options that increase the Mustang’s power or price tag will likely lead to more expensive insurance. However, features that improve safety or visibility may have the opposite effect.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Does the Ford Mustang qualify for car insurance discounts?

You could save money on car insurance for your Ford Mustang if it comes equipped with these safety features.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Ford Mustang safety and reliability ratings

The 2018 Ford Mustang has a 9.7/10 safety rating, according to U.S. News and J.D. Power. It also holds near-perfect scores in almost all categories from both the IIHS and NHTSA. All of these scores could help you save on auto insurance. U.S. News and J.D. Power give the Mustang a 4/5 star reliability rating, which is above average for vehicles in its class.

The Ford Mustang has been around since 1965 and is currently in its sixth generation. The sports car provides a range of strong engines and is known for its comfortable ride, luxurious cabin and good safety scores. The Ford Mustang was named on the Car and Driver Ten Best list for seven different years. In 2016, there were over 105,000 sales in the United States.

Ford Mustang maintenance

The Mustang is a powerful muscle car designed for speed and performance. It’s generally considered a reliable vehicle, but driving it frequently or at high speeds will put more strain on the engine and other parts. While it won’t need a great deal of maintenance if it’s treated properly, routine service appointments can ensure that your Mustang performs as it should.

  • Ford suggests an oil change every 7,500 miles for typical driving habits or 5,000 miles for heavier use. Most newer models come with the Intelligent Oil Monitor System, which will tell you when to change your oil.
  • An oil change should cost between $100 and $200 depending on how long it’s been since your last oil change and where you bring it for service.

Is an extended warranty worth it for the Ford Mustang?

The Mustang comes with Ford’s three-year/36,000-mile new vehicle limited warranty and five-year/60,000 mile powertrain warranty. New vehicles also include five years/60,000 miles of corrosion protection and roadside assistance.

Ford offers a selection of extended service plans that can help protect your Mustang after the initial warranty expires. Available in multiple term lengths, these plans generally include OEM part replacements, rental car allowances, roadside assistance, service from licensed Ford technicians and more. Ford also offers two maintenance plans to cover recommended and scheduled servicing.

Ford Mustang car insurance rates

A 2017 Ford Mustang starts at a base price of $25,185. With the average insurance rate at $1,992 per year, the annual insurance cost–to–base car price ratio is 7.9%.

ModelMonthly insurance rateBase car price
C-Max$238$36,620
Edge$173$25,905
Escape$178$22,405
Expedition$172$20,000
Explorer$171$55,450
F-150$157$16,975
F-250$167$23,100
F-350$245$30,745
F-450$166$27,500
Fiesta$180$13,660
Flex$171$30,025
Focus$238$16,775
Fusion$178$22,610
GT$245$450,000
Mustang$166$25,185
Taurus$173$27,345
Transit Connect$172$23,010
EcoSport$130$20,990

Compare Ford competitors

Explore the rest of Ford’s lineup or find out what other vehicles different manufacturers may have to offer.

Compare all car makes & models

Bottom line

The Mustang is an affordable muscle car that offers an exciting driving experience wherever you decide to take it. Depending on your choice of model and build options, the Ford Mustang is capable of over 500 horsepower. That said, all Mustangs come equipped with great safety features and impressive crash test scores that may lead to auto insurance discounts. Compare your options to find out which provider has the best price for the coverage you need.

Frequently asked questions about the Ford Mustang

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site