Ford Mustang insurance group

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The Ford Mustang is the flagship sports car offered by Ford. As with all high-performance vehicles, you can usually expect to pay more for your car insurance. In this guide, you’ll learn all you need to know about finding insurance for this car.

What insurance group does the Ford Mustang fall under?

Before they are made available to buy, all vehicles are given a specific insurance group that ranges from 1 (cheapest to insure) to 50 (most expensive). This helps insurers to determine the cost of your premium. Ford Mustang models range from insurance group 39 to 45, meaning the car insurance will be on the expensive side.

However, the costs will vary between different Ford Mustang insurance groups. This is due to the different factors related to the vehicle. As an example, a 30-year-old driver in an average postcode could pay around £1,571 for cover on a Ford Mustang 2.3 EcoBoost 291 2d that is in insurance group 10 or around £2,690 for a Ford Mustang 5.0 V8 55 Edition auto 2d that is in insurance group 45. This comparison is a solid example of the higher premiums you’ll face when your chosen model sits in a higher insurance group.

Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
2.3 EcoBoost 291 2d 39 £12,406 £1,571 £1,244 £794 Get Quote
2.3 EcoBoost 291 2d 39 £12,406 £1,571 £1,244 £794 Get Quote
2.3 EcoBoost (Custom Pack) 2d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
2.3 EcoBoost (Custom Pack) 2d Auto 41 £13,589 £1,776 £1,427 £1,201 Get Quote
2.3 EcoBoost 2d 41 £13,589 £1,776 £1,427 £1,201 Get Quote
2.3 EcoBoost 2d Auto 41 £13,589 £1,776 £1,427 £1,201 Get Quote
2.3 EcoBoost (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 1) (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 1) auto (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 2) (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 2) 270 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 2) auto (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 3) (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 3) auto (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 4) (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost (Custom Pack 4) auto (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost 270 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
2.3 EcoBoost auto (04/2018 on) 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
Bullitt 5.0 V8 GT 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 2) 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (Custom Pack 2) 449 auto 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (Custom Pack 3) 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (Custom Pack 3) 449 auto 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (Custom Pack 4) 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (Custom Pack 4) 449 auto 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (Custom Pack) 2d Auto 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT 2d Auto 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT 449 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT 449 auto 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 GT (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 1) (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 1) auto (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 2) (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 2) 440 auto 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 2) auto (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 3) (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 3) 440 auto 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 3) auto (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 4) (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 4) 440 auto 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT (Custom Pack 4) auto (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT 440 auto 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 GT auto (04/2018 on) 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
55 Edition 5.0 V8 2d 42 £17,229 £2,182 £1,676 £1,422 Get Quote
55 Edition 5.0 V8 auto 2d 43 £3,056 £1,203 £1,167 £1,108 Get Quote
5.0 V8 55 Edition 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote
5.0 V8 55 Edition auto 2d 45 £17,674 £2,690 £2,159 £1,869 Get Quote

    Ford Mustang insurance cost by location

    Your address plays a significant role in the calculations used to determine your insurance premium. To highlight the difference your postcode can make, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Ford Mustang 5.0 V8 GT 449 2d.

    • Expensive: £3,545 (London SE1)
    • Average: £1,203 (Newcastle NE1)
    • Cheap: £781.83 (Galashiels TD1)

    What factors affect my Ford Mustang insurance rate?

    Along with insurance group, there are a few other factors that play a significant role in determining your insurance premium costs:

    • Engine type and capacity. Cars with larger engines will cost more to insure in most cases. This is because they cost more to repair or replace. For example, it may cost £1,571 to insure a Ford Mustang 2.3 EcoBoost 291 2d, while you may pay £2,690 to cover a Ford Mustang 5.0 V8 GT 440 auto 2d.
    • Driver location. Here’s an example of how your location can affect your premiums. A 30-year-old in central London may pay £3,545 for insurance for a Ford mustang 5.0 V8 GT 2d, while the same 30-year-old in Newcastle may only pay £1,203. That £170 difference reflects the decreased likelihood of motorists based in Newcastle making a claim on their insurance compared to those in London.
    • Driver age. The youngest drivers are the most likely to claim on their car insurance, which is why they have to pay far more to cover themselves. The average 20-year-old driver in London may pay £32,897 for the Ford Mustang Bullitt 5.0 V8 GT 2d, while the average 40-year-old Londoner will only pay £4,604. As you can see, the 20-year-old has to pay almost double just because of their age in this example. Our research suggests that’s fairly reflective of the price gap regardless of what vehicle they are trying to insure.

    Other factors that influence the cost of your insurance include the following:

    How can I save on my Ford Mustang premiums?

    It’s well worth your time to do what you can to reduce your car insurance premiums. There are a few tricks you can try to reduce your premiums significantly, and we’ve listed some of them below.

    • Limit your car usage (where possible). Consider what journeys you can take by foot or public transport. By reducing your annual mileage, you’ll be deemed a lower risk to insurers and receive lower premium quotes.
    • Pay annually rather than monthly. When you pay annually for car insurance, you lower your costs by eliminating the possibility of being charged interest on monthly instalments.
    • Install extra safety precautions. The safer your car is, the less of a risk you’ll be considered for companies to insure. When you install safety precautions, your car insurance premiums tend to drop. As such, these features tend to pay for themselves.
    • Don’t just accept your renewal quote. Shop around for the best deal from other companies, rather than settling for the renewal price given to you. There will usually be cheaper options out there!

    Bottom line

    The Ford Mustang is a classy and quality vehicle that delivers everything you could want from a sports car. You’ll pay a lot to insure it – way above the average rate. Still, at least the tips in this guide will help you help you cut your premiums somewhat.

    Frequently asked questions

    *Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
    The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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    Written by

    Danny Butler

    Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full profile

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