Annual full coverage insurance for a Ford Mustang EcoBoost ranges from $1,133 to $7,008. Rates vary greatly based on the model year, the driver's age, location, driving record, coverage level and insurance company. MoneyGeek explores the costs and coverage options, highlighting the best and most affordable insurers.
Ford Mustang EcoBoost Insurance Cost
Updated: March 14, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Ford Mustang EcoBoost model years, costing $486 annually.
The average annual insurance cost for a Ford Mustang EcoBoost is $581 for minimum coverage and $1,601 for full coverage.
MoneyGeek analyzed 4,183 quotes for the Ford Mustang EcoBoost from Quadrant Information Services to provide these insights.
Ford Mustang EcoBoost Insurance Rates
What Is the Average Ford Mustang EcoBoost Car Insurance Cost?
Ford Mustang EcoBoost insurance costs about $133 per month or $1,601 per year for full coverage, based on a 40-year-old male with a clean driving record. Minimum coverage averages $48 monthly or $581 annually.
| Minimum Coverage | $581 |
| Full Coverage | $1,601 |
Read more: Average Cost of Car Insurance
Ford Mustang EcoBoost Insurance Costs by Company
Ford Mustang EcoBoost insurance costs range from $1,186 to $2,306 annually, depending on age, model year and coverage level. Below is a table comparing average Mustang EcoBoost insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $2,009 | $1,808 | 11% |
| Auto-Owners | $1,284 | $1,226 | 5% |
| Farmers | $1,834 | $1,955 | -6% |
| GEICO | $1,514 | $1,330 | 14% |
| Kemper | $2,306 | $2,209 | 4% |
| Nationwide | $1,604 | $1,587 | 1% |
| Progressive | $1,928 | $1,740 | 11% |
| State Farm | $1,251 | $1,268 | -1% |
| Travelers | $1,927 | $1,518 | 27% |
| USAA | $1,186 | $1,199 | -1% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ford Mustang EcoBoost by Model Year
Your Ford Mustang EcoBoost's production year can impact insurance rates, with older models typically costing less. For example, full coverage for a 2022 model costs $1,699 annually, while a 2015 model costs $1,458. Below are the average full and minimum coverage rates by production year.
| 2022 | $583 | $1,699 |
| 2021 | $584 | $1,688 |
| 2020 | $566 | $1,663 |
| 2019 | $598 | $1,644 |
| 2018 | $603 | $1,619 |
| 2017 | $579 | $1,565 |
| 2016 | $607 | $1,511 |
| 2015 | $606 | $1,458 |
Ford Mustang EcoBoost Insurance Costs by Driver Age
Ford Mustang EcoBoost insurance rates vary widely based on the driver's age. For instance, the average annual full coverage rate is $1,606 for 40-year-olds, compared to $7,008 for 16-year-olds. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,689 | $7,008 |
| 17 | $2,205 | $5,747 |
| 18 | $1,922 | $5,061 |
| 19 | $1,366 | $3,627 |
| 20 | $1,226 | $3,296 |
| 21 | $979 | $2,665 |
| 22 | $895 | $2,450 |
| 23 | $830 | $2,285 |
| 24 | $787 | $2,170 |
| 25 | $690 | $1,925 |
| 26 | $672 | $1,870 |
| 27 | $656 | $1,828 |
| 28 | $645 | $1,799 |
| 29 | $636 | $1,773 |
| 30 | $613 | $1,703 |
| 35 | $597 | $1,643 |
| 40 | $591 | $1,606 |
| 45 | $585 | $1,579 |
| 50 | $571 | $1,527 |
| 55 | $556 | $1,480 |
| 60 | $556 | $1,475 |
| 65 | $592 | $1,528 |
| 70 | $643 | $1,635 |
| 75 | $713 | $1,794 |
| 80 | $806 | $1,995 |
| 85 | $870 | $2,140 |
| 90 | $917 | $2,242 |
Ford Mustang EcoBoost Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles. However, insurers also consider vehicle-specific factors. Below is a list of cost factors tied to your car.
Ford Mustang EcoBoost Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ford Mustang EcoBoost
Average Full Coverage Rate
$1,601Premiums for Ford Mustang EcoBoost are:$305 more
This is 24% more expensive.
Value
The Ford Mustang EcoBoost, which has an MSRP of $43,540, is classified as a sports car. Its price influences how insurers calculate insurance rates.
Repair costs
The Ford Mustang EcoBoost's repair cost is $709, below the national average. Repair complexity, labor costs and wait times can influence whether the car has higher or lower insurance rates.
Performance
The Ford Mustang EcoBoost's 0-to-60 time of 4.5 seconds and 315 horsepower make it a high-performance vehicle. Insurers often associate high performance with increased risk, which can result in higher insurance costs.
Vehicle age
Newer cars, such as the 2024 Ford Mustang EcoBoost, usually cost more to insure than older models. However, collector and classic vehicles are exceptions, often carrying much higher insurance costs.
Safety features
Safety features like airbags, antilock brakes and stability control lower accident risks and may reduce Ford Mustang EcoBoost insurance costs.
Vehicle size
Larger vehicles often cost more to insure due to higher property damage risk. At 3,741 lbs, the Ford Mustang EcoBoost may have higher insurance costs compared to smaller Ford models.
Trim level
Higher trim levels with premium upgrades and higher MSRPs generally cost more to insure. For example, a Ford Mustang EcoBoost with a higher trim level will have higher insurance costs than the base model.
Cheapest Ford Mustang EcoBoost Insurance
State Farm has the lowest annual rate for insuring a Ford Mustang EcoBoost at $492 for minimum coverage, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance options across coverage levels, age groups, driving records, model years and more.
Cheapest Ford Mustang EcoBoost Insurance by Coverage Level
Choosing your coverage level greatly impacts your Ford Mustang EcoBoost insurance rate. State Farm offers the cheapest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Ford Mustang EcoBoost Minimum Coverage
For a Ford Mustang EcoBoost, State Farm offers the cheapest minimum coverage at $41 per month, followed closely by GEICO at $43. Farmers and Nationwide also offer competitive rates of $53 and $54, respectively.
| USAA | $30 | $356 |
| State Farm | $41 | $492 |
| GEICO | $43 | $511 |
| Farmers | $53 | $631 |
| Nationwide | $54 | $649 |
| Allstate | $54 | $651 |
| Travelers | $55 | $663 |
| Progressive | $57 | $680 |
*State Farm offers non-military-affiliated Ford Mustang EcoBoost owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ford Mustang EcoBoost Insurance Rates by Model Year
The above list doesn't consider the model year, so older Ford Mustang EcoBoost models might have lower insurance rates. Check the table below for the most affordable minimum coverage rates by production year.
Data filtered by:Results filtered by:
Select
Model Year:2015
| Allstate | $689 | $57 |
| Farmers | $636 | $53 |
| GEICO | $535 | $45 |
| Nationwide | $688 | $57 |
| Progressive | $678 | $57 |
| State Farm | $518 | $43 |
| Travelers | $704 | $59 |
| USAA | $356 | $30 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ford Mustang EcoBoost Insurance
State Farm offers the cheapest full coverage insurance for the Ford Mustang EcoBoost at $1,224 annually or $102 monthly. Below is the full list of providers and rates for the Ford Mustang EcoBoost.
| USAA | $94 | $1,133 |
| State Farm | $102 | $1,224 |
| GEICO | $123 | $1,476 |
| Nationwide | $126 | $1,508 |
| Farmers | $143 | $1,720 |
| Progressive | $157 | $1,879 |
| Travelers | $159 | $1,910 |
| Allstate | $160 | $1,917 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Ford Mustang EcoBoost owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ford Mustang EcoBoost Insurance by Age
Drivers aged 16 to 25 and 55+ often face higher Ford Mustang EcoBoost insurance costs. Below is a breakdown of the cheapest options by age group.
Cheapest Ford Mustang EcoBoost Insurance for Young Drivers
State Farm offers the cheapest car insurance for young drivers at $90 monthly or $1,083 yearly for minimum coverage. Below is the full list of affordable options for Ford Mustang EcoBoost drivers aged 16 to 25.
| USAA | $61 | $728 |
| State Farm | $90 | $1,083 |
| GEICO | $101 | $1,212 |
| Travelers | $117 | $1,398 |
| Allstate | $122 | $1,459 |
| Farmers | $140 | $1,681 |
| Nationwide | $143 | $1,712 |
| Progressive | $167 | $2,006 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford Mustang EcoBoost Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up, starting at $45 monthly or $542 annually. See the full list of affordable Ford Mustang EcoBoost insurers below:
| USAA | $39 | $470 |
| State Farm | $45 | $542 |
| GEICO | $51 | $607 |
| Nationwide | $64 | $763 |
| Allstate | $65 | $785 |
| Travelers | $67 | $798 |
| Progressive | $70 | $842 |
| Farmers | $71 | $848 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford Mustang EcoBoost Insurance After an Accident
State Farm, GEICO and Allstate offer Ford Mustang EcoBoost drivers the cheapest car insurance after an accident. See the complete list below.
| USAA | $45 | $534 |
| State Farm | $51 | $617 |
| GEICO | $67 | $805 |
| Allstate | $74 | $886 |
| Travelers | $81 | $966 |
| Nationwide | $83 | $997 |
| Progressive | $92 | $1,109 |
| Farmers | $102 | $1,220 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Ford Mustang EcoBoost drivers. USAA is the most affordable option for military-affiliated drivers.
Ford Mustang EcoBoost Insurance Cost: Bottom Line
Compare rates from various providers regularly to secure the most affordable car insurance. This article delved into Ford Mustang EcoBoost insurance, examining costs by demographics and highlighting the cheapest providers.
Ford Mustang EcoBoost Insurance Rates: FAQ
Below are answers to common questions about Ford Mustang EcoBoost insurance costs.
What company has the cheapest car insurance for a Ford Mustang EcoBoost?
State Farm is the cheapest car insurance provider for a Ford Mustang EcoBoost, with an annual minimum coverage rate of $492.
What is the average cost of car insurance for a Ford Mustang EcoBoost?
The average annual insurance cost for the Ford Mustang EcoBoost is $581 for minimum coverage and $1,601 for full coverage.
Ford Mustang EcoBoost Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 insurance quotes for a Ford Mustang EcoBoost from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ford Mustang EcoBoost:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ford Mustang EcoBoost insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ford Mustang EcoBoost.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.