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Ford Mustang insurance rates

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Average Ford Mustang insurance rates

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. 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. This is why it’s important to get quotes from multiple providers before purchasing coverage.

Companies that offer auto insurance for Ford Mustang

Allstate. Allstate is one of the highest-rated auto insurance providers in the country. It offers a wide range of customizable coverage options, rewards for safe drivers and a network of dedicated agents to help you find the right coverage.

Liberty Mutual. Liberty Mutual has been in business for over 100 years and is now the fourth largest property and casualty insurer in the country. It has coverage options for almost any situation and great perks like free roadside assistance.

Progressive. Progressive sets itself apart from its competition through an innovative approach to auto insurance. Its website is equipped with a suite of tools that allow customers to learn about insurance, compare policies and purchase coverage online.

Compare insurance providers that cover Ford Mustang

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
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. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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How to compare insurance for the Ford Mustang

Shopping for auto insurance can be tricky; many companies claim to have the best price, which isn’t always accurate since coverage often varies depending on location and provider. Coverage is mandatory in almost every state, so while you won’t be able to avoid it, you can get better auto insurance rates if you know what to look for.

  • 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.

What factors affect car insurance rates for Ford Mustang?

Insurance providers calculate your premiums with respect to your chances of filing claims and the cost of paying them out. While your driving history and location can certainly influence the above factors, the vehicle you drive often has a much larger impact. This is because performance, safety features, theft rates and other elements can vary between make and model. Here’s 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.

Ford Mustang money-saving safety features

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

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Ford Mustang qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Ford Mustang:

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

Ford Mustang safety & 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. That said, the Mustang is a performance vehicle, so your experience may vary depending on how you drive yours.

Ford Mustang maintenance

The Mustang is a powerful muscle car that is 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 vehices that are subject to heavier use. That said, 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, but your cost may vary depending on how long it’s been since your last oil change and where you bring it for service.
  • Consult your owners manual for more details on the service schedule for the Ford Mustang.

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.

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.

About the Ford Mustang

Ford Mustang Insurance FinderThe 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.

Insurance companies determine the insurance cost for a Ford Mustang based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Ford shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Ford Mustang shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Random Ford Facts

  • Ford was founded in 1903 and sells the most luxury cars under the Lincoln brand. The first model was sold that same year for $850.
  • Ford prices start at $14,000 and can go up to $450,000.
  • Ford is the second largest automotive company, after General Motors, in the United States. Ford is the fifth largest automotive company in the world.
  • Ford is the second largest family-owned company in the world. Currently, a descendant of Henry Ford is the executive chairman of the company.
  • In 2015, there were over 2.6 million Ford models sold in the United States. Ford sales took up approximately 15% market share of all American cars sold.

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%.

Model Monthly insurance rate Base 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

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Frequently asked questions about the Ford Mustang

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