Insurance premiums for a Ford Mustang average $171 monthly for full coverage and $88 for minimum coverage. Depending on your particular trim and model year, costs can range from $58 to $403 monthly.
Ford Mustang Insurance Cost
Updated: September 7, 2026
Key Takeaways
GEICO offers the most affordable Ford Mustang insurance. Mustang insurance is, on average, $171 monthly, though full coverage costs vary widely by model year and company. Read more
Sports cars have higher premiums due to performance capabilities and theft risk, but the Mustang ranks 13th out of 115 sports cars for affordability in the US market. Read more
Teen drivers on your policy make model year specificity important for accurate Mustang insurance rates. Read MoneyGeek's analysis of rates by company for specific Mustang model years, depending on the age of the drivers
How Much Is Ford Mustang Insurance?
| Ford Mustang | $88 | $171 |
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Looking for another Ford model? Read more about Ford car insurance costs.
Monthly rates for a Ford Mustang range from $58 for older models up to $403 for the newest ones. Model year directly affects car insurance costs: newer vehicles carry higher market values, which raises the cost to insure them.
Insurance costs for a Ford Mustang depend on your model year and the company you choose. Full coverage ranges from $131 per month with GEICO to $311 with AIG, while minimum coverage ranges from $60 with GEICO to $144 with UAIC.
Compare quotes before you buy: minimum coverage rates vary by more than $84 and full coverage rates by more than $180, since each insurer calculates risk for the Ford Mustang differently.
| AAA | $99 | $206 |
| AIG | $126 | $311 |
| Allstate | $110 | $214 |
| Amica | $114 | $233 |
| Chubb | $122 | $240 |
| Farmers | $124 | $218 |
| Geico | $60 | $131 |
| Kemper | $87 | $177 |
| Nationwide | $101 | $175 |
| Progressive | $90 | $168 |
| State Farm | $87 | $181 |
| The Hartford | $100 | $171 |
| Travelers | $78 | $144 |
| UAIC | $144 | $179 |
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Is Ford Mustang Expensive to Insure?
MoneyGeek's analysis of 115 sports cars ranks the Ford Mustang 13th for affordability. Twelve vehicles cost less to insure. The Mustang costs just a few dollars more per month than a Porsche Boxster and slightly less than an Alfa Romeo 4C, landing squarely in the middle of the sports car pack.
Sports cars cost more to insure across the board, so a mid-pack rank there still stacks up well against all vehicles. Out of 827 cars total, the Mustang ranks 350th, a top-half result for affordability overall. The Mazda MX-5 Miata is the cheapest sports car to insure. The Rolls-Royce La Rose Noire is the most expensive.
| Chrysler Crossfire | $122 | 10 |
| BMW Z3 | $125 | 11 |
| Porsche Boxster | $125 | 12 |
| Ford Mustang | $130 | 13 |
| Alfa Romeo 4C | $130 | 14 |
| Chevrolet SS | $134 | 15 |
| Scion FR-S | $138 | 16 |
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What affects your Ford Mustang insurance costs:
- Average Repair or Replacement Costs: Mustang repairs average $975 a year, the ninth-most-expensive among 35 Ford models.
- Vehicle Trim, Features and Accessories: Horsepower spans 310 to 760 depending on trim. The Shelby GT500 and Mach 1 push insurance costs well above standard trims.
- Driver Profile: Most Mustang drivers fall between 25 and 40, with a median age around 30. Insurers price in the car's performance reputation, which correlates with riskier driving. Read more about Ford Mustang costs for young drivers.
Ford Mustang vs. Dodge Challenger: Which Is Cheaper to Own?
The Ford Mustang and Dodge Challenger are the last two traditional American muscle cars. The Camaro is gone, and the Challenger itself was discontinued after 2023. Shoppers in this segment are choosing between the only remaining new option, the Mustang, or a last-run Challenger that's increasingly a collector's item on the used side.
On insurance, the Mustang wins consistently. The 2021 used comparison makes the case clearly: the Mustang runs $179 a month versus the Challenger's $200, a $21 monthly gap on cars worth almost exactly the same. The 2023 Challenger's $548 average looks alarming, but the trim mix explains it. Hellcat and Demon buyers disproportionately drove up that final year's average. A base or mid-range 2023 Challenger buyer would have paid considerably less.
Anyone considering a used Challenger for its last-of-its-kind status should factor in collector-adjacent pricing and how insurers price high-performance trims. The Mustang stays the more predictable insurance bet, and it's still in production.
Ford Mustang Costs by Model Year and Driver Age by Insurance Company
A 2016 Mustang costs $196 per month for full coverage for drivers aged 35 to 55. A 2025 model costs $266 monthly. Newer vehicles cost more.
Teen and early-twenties drivers pay much more to insure any Mustang model.
GEICO offers the lowest rates across all Ford Mustang model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Ford Mustang
| Geico | $80 | $175 |
| National General | $104 | $213 |
| Kemper | $107 | $219 |
| Travelers | $110 | $204 |
| Progressive | $120 | $224 |
| State Farm | $126 | $264 |
| Nationwide | $141 | $244 |
| The Hartford | $141 | $240 |
| Allstate | $142 | $281 |
| AAA | $148 | $309 |
| UAIC | $160 | $201 |
| Farmers | $167 | $292 |
| Amica | $168 | $346 |
| Chubb | $169 | $339 |
| AIG | $176 | $445 |
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2025 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $992 | $873 | $771 | $667 | $589 | $500 | $454 | $406 | $371 | $327 |
| Geico | $993 | $725 | $610 | $443 | $381 | $308 | $284 | $235 | $222 | $201 |
| Nationwide | $1,108 | $1,014 | $933 | $792 | $669 | $433 | $402 | $375 | $355 | $318 |
| Travelers | $1,209 | $874 | $690 | $534 | $471 | $349 | $319 | $294 | $271 | $235 |
| Allstate | $1,287 | $1,016 | $827 | $615 | $552 | $433 | $393 | $373 | $353 | $311 |
| Progressive | $1,627 | $1,317 | $1,093 | $607 | $530 | $428 | $381 | $340 | $313 | $269 |
| Farmers | $1,782 | $1,319 | $1,177 | $746 | $707 | $540 | $479 | $459 | $436 | $367 |
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Cost of Car Insurance for 2024 Ford Mustang
| Geico | $76 | $167 |
| National General | $99 | $202 |
| Kemper | $102 | $209 |
| Travelers | $105 | $194 |
| Progressive | $114 | $213 |
| State Farm | $119 | $250 |
| Nationwide | $134 | $232 |
| The Hartford | $134 | $228 |
| Allstate | $135 | $267 |
| AAA | $141 | $293 |
| UAIC | $152 | $191 |
| Farmers | $158 | $277 |
| Amica | $160 | $329 |
| Chubb | $160 | $322 |
| AIG | $168 | $422 |
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2024 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $943 | $689 | $579 | $421 | $362 | $293 | $270 | $223 | $211 | $191 |
| State Farm | $943 | $829 | $733 | $634 | $559 | $475 | $432 | $385 | $352 | $310 |
| Nationwide | $1,052 | $964 | $887 | $753 | $636 | $412 | $382 | $357 | $337 | $302 |
| Travelers | $1,149 | $831 | $656 | $507 | $447 | $331 | $303 | $280 | $258 | $224 |
| Allstate | $1,223 | $966 | $786 | $585 | $525 | $411 | $374 | $354 | $335 | $296 |
| Progressive | $1,546 | $1,252 | $1,039 | $577 | $504 | $407 | $362 | $324 | $298 | $256 |
| Farmers | $1,693 | $1,253 | $1,119 | $709 | $672 | $513 | $455 | $436 | $414 | $349 |
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Cost of Car Insurance for 2023 Ford Mustang
| Geico | $62 | $136 |
| National General | $81 | $165 |
| Kemper | $83 | $170 |
| Travelers | $86 | $158 |
| Progressive | $93 | $174 |
| State Farm | $97 | $204 |
| Nationwide | $109 | $189 |
| The Hartford | $109 | $186 |
| Allstate | $110 | $218 |
| AAA | $115 | $239 |
| UAIC | $124 | $156 |
| Farmers | $129 | $226 |
| Amica | $130 | $268 |
| Chubb | $131 | $263 |
| AIG | $137 | $345 |
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2023 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $770 | $563 | $473 | $344 | $295 | $239 | $220 | $182 | $172 | $156 |
| State Farm | $770 | $677 | $598 | $517 | $457 | $388 | $352 | $315 | $288 | $253 |
| Nationwide | $859 | $787 | $724 | $614 | $519 | $336 | $312 | $291 | $275 | $246 |
| Travelers | $938 | $678 | $535 | $414 | $365 | $270 | $247 | $228 | $211 | $183 |
| Allstate | $999 | $788 | $642 | $477 | $428 | $336 | $305 | $289 | $274 | $241 |
| Progressive | $1,262 | $1,022 | $848 | $471 | $411 | $332 | $296 | $264 | $243 | $209 |
| Farmers | $1,382 | $1,023 | $913 | $579 | $548 | $419 | $371 | $356 | $338 | $284 |
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Cost of Car Insurance for 2022 Ford Mustang
| Geico | $67 | $146 |
| National General | $87 | $178 |
| Kemper | $90 | $183 |
| Travelers | $92 | $170 |
| Progressive | $100 | $187 |
| State Farm | $105 | $220 |
| Nationwide | $117 | $204 |
| The Hartford | $117 | $200 |
| Allstate | $119 | $234 |
| AAA | $124 | $257 |
| UAIC | $133 | $167 |
| Farmers | $139 | $244 |
| Amica | $140 | $289 |
| Chubb | $141 | $283 |
| AIG | $147 | $371 |
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2022 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $828 | $605 | $509 | $370 | $318 | $257 | $237 | $196 | $185 | $168 |
| State Farm | $828 | $728 | $644 | $557 | $491 | $417 | $379 | $338 | $309 | $273 |
| Nationwide | $924 | $846 | $778 | $661 | $559 | $362 | $335 | $313 | $296 | $265 |
| Travelers | $1,009 | $729 | $576 | $445 | $393 | $291 | $266 | $246 | $226 | $196 |
| Allstate | $1,074 | $848 | $690 | $514 | $461 | $361 | $328 | $311 | $295 | $260 |
| Progressive | $1,358 | $1,099 | $912 | $507 | $442 | $357 | $318 | $284 | $261 | $225 |
| Farmers | $1,487 | $1,101 | $982 | $623 | $590 | $451 | $399 | $383 | $364 | $306 |
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Cost of Car Insurance for 2021 Ford Mustang
| Geico | $61 | $133 |
| National General | $79 | $162 |
| Kemper | $82 | $167 |
| Travelers | $84 | $155 |
| Progressive | $91 | $170 |
| State Farm | $96 | $201 |
| Nationwide | $107 | $186 |
| The Hartford | $107 | $183 |
| Allstate | $108 | $214 |
| AAA | $113 | $235 |
| UAIC | $122 | $153 |
| Farmers | $127 | $222 |
| Amica | $128 | $263 |
| Chubb | $128 | $258 |
| AIG | $134 | $338 |
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2021 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $755 | $664 | $587 | $508 | $448 | $381 | $346 | $309 | $282 | $249 |
| Geico | $756 | $552 | $464 | $337 | $290 | $234 | $216 | $179 | $169 | $153 |
| Nationwide | $843 | $772 | $710 | $603 | $509 | $330 | $306 | $286 | $270 | $242 |
| Travelers | $920 | $665 | $525 | $406 | $358 | $265 | $243 | $224 | $207 | $179 |
| Allstate | $980 | $773 | $630 | $468 | $420 | $329 | $299 | $284 | $269 | $237 |
| Progressive | $1,239 | $1,003 | $832 | $462 | $403 | $326 | $290 | $259 | $239 | $205 |
| Farmers | $1,356 | $1,004 | $896 | $568 | $538 | $411 | $364 | $349 | $332 | $279 |
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Cost of Car Insurance for 2020 Ford Mustang
| Geico | $65 | $143 |
| National General | $84 | $173 |
| Kemper | $87 | $178 |
| Travelers | $90 | $166 |
| Progressive | $97 | $182 |
| State Farm | $102 | $214 |
| Nationwide | $114 | $198 |
| The Hartford | $114 | $195 |
| Allstate | $116 | $228 |
| AAA | $120 | $251 |
| UAIC | $130 | $163 |
| Farmers | $135 | $237 |
| Amica | $137 | $281 |
| Chubb | $137 | $275 |
| AIG | $143 | $361 |
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2020 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $807 | $590 | $496 | $360 | $310 | $250 | $231 | $191 | $180 | $164 |
| State Farm | $807 | $709 | $627 | $542 | $479 | $407 | $369 | $330 | $302 | $266 |
| Nationwide | $900 | $824 | $758 | $644 | $544 | $352 | $327 | $305 | $288 | $258 |
| Travelers | $983 | $711 | $561 | $434 | $383 | $283 | $259 | $239 | $221 | $191 |
| Allstate | $1,046 | $826 | $672 | $500 | $449 | $352 | $320 | $303 | $287 | $253 |
| Progressive | $1,323 | $1,071 | $888 | $494 | $431 | $348 | $310 | $277 | $255 | $219 |
| Farmers | $1,448 | $1,072 | $957 | $607 | $575 | $439 | $389 | $373 | $354 | $298 |
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Cost of Car Insurance for 2019 Ford Mustang
| Geico | $61 | $133 |
| National General | $70 | $144 |
| Travelers | $75 | $138 |
| State Farm | $84 | $174 |
| Progressive | $85 | $159 |
| Nationwide | $96 | $166 |
| AAA | $102 | $212 |
| The Hartford | $105 | $179 |
| Kemper | $106 | $217 |
| Amica | $108 | $222 |
| Allstate | $109 | $211 |
| Chubb | $125 | $248 |
| AIG | $129 | $324 |
| Farmers | $131 | $232 |
| UAIC | $143 | $180 |
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2019 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $655 | $576 | $510 | $440 | $389 | $330 | $300 | $268 | $245 | $216 |
| Geico | $753 | $549 | $461 | $335 | $288 | $233 | $215 | $178 | $168 | $153 |
| Nationwide | $754 | $691 | $636 | $539 | $456 | $295 | $274 | $255 | $241 | $216 |
| Travelers | $834 | $600 | $473 | $365 | $322 | $236 | $215 | $199 | $184 | $159 |
| Allstate | $1,007 | $790 | $637 | $470 | $421 | $328 | $298 | $281 | $265 | $235 |
| Progressive | $1,160 | $936 | $776 | $431 | $376 | $304 | $271 | $242 | $223 | $191 |
| Farmers | $1,446 | $1,071 | $953 | $592 | $559 | $425 | $379 | $362 | $344 | $290 |
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Cost of Car Insurance for 2018 Ford Mustang
| Geico | $65 | $141 |
| National General | $74 | $151 |
| Travelers | $80 | $147 |
| State Farm | $92 | $192 |
| Progressive | $94 | $176 |
| Nationwide | $103 | $178 |
| Kemper | $105 | $213 |
| AAA | $107 | $222 |
| The Hartford | $110 | $187 |
| Allstate | $113 | $219 |
| Amica | $114 | $234 |
| Chubb | $131 | $260 |
| AIG | $135 | $339 |
| Farmers | $138 | $244 |
| UAIC | $148 | $186 |
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2018 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $724 | $637 | $564 | $487 | $430 | $365 | $332 | $296 | $271 | $238 |
| Geico | $799 | $583 | $489 | $355 | $306 | $247 | $228 | $188 | $178 | $162 |
| Nationwide | $806 | $739 | $680 | $577 | $487 | $316 | $293 | $273 | $258 | $231 |
| Travelers | $886 | $637 | $502 | $387 | $341 | $252 | $230 | $212 | $196 | $170 |
| Allstate | $1,036 | $813 | $656 | $485 | $435 | $339 | $308 | $291 | $275 | $243 |
| Progressive | $1,286 | $1,038 | $861 | $479 | $418 | $337 | $300 | $268 | $247 | $212 |
| Farmers | $1,516 | $1,122 | $999 | $622 | $587 | $446 | $398 | $380 | $361 | $304 |
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Cost of Car Insurance for 2017 Ford Mustang
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
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2017 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $766 | $674 | $596 | $515 | $454 | $386 | $351 | $313 | $286 | $252 |
| Geico | $830 | $606 | $509 | $369 | $318 | $257 | $237 | $196 | $185 | $168 |
| Nationwide | $840 | $770 | $708 | $601 | $508 | $329 | $305 | $285 | $269 | $241 |
| Travelers | $947 | $681 | $537 | $414 | $364 | $270 | $246 | $227 | $210 | $182 |
| Allstate | $1,062 | $834 | $674 | $498 | $447 | $349 | $317 | $299 | $283 | $250 |
| Progressive | $1,396 | $1,128 | $936 | $520 | $454 | $366 | $326 | $291 | $268 | $230 |
| Farmers | $1,586 | $1,172 | $1,044 | $649 | $612 | $465 | $415 | $396 | $377 | $317 |
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Cost of Car Insurance for 2016 Ford Mustang
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
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2016 Ford Mustang Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $685 | $603 | $533 | $461 | $406 | $345 | $314 | $280 | $256 | $225 |
| Geico | $743 | $542 | $455 | $330 | $284 | $230 | $212 | $175 | $166 | $150 |
| Nationwide | $768 | $704 | $648 | $550 | $464 | $301 | $279 | $260 | $246 | $220 |
| Travelers | $864 | $620 | $489 | $376 | $332 | $245 | $223 | $206 | $190 | $165 |
| Allstate | $998 | $782 | $630 | $465 | $417 | $325 | $295 | $279 | $263 | $232 |
| Progressive | $1,176 | $949 | $787 | $438 | $382 | $308 | $275 | $245 | $226 | $194 |
| Farmers | $1,468 | $1,086 | $967 | $599 | $566 | $429 | $383 | $366 | $348 | $293 |
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Ford Mustang Insurance Cost by Trim
Ford Mustang insurance ranges from $63 a month for minimum coverage on a basic Coupe 2D to $403 for full coverage on a high-performance Cobra SVT Coupe. Where a trim falls in that range comes down to performance features, rarity, and market value.
| Coupe 2d | $63 | $121 |
| Deluxe Coupe 2d | $67 | $130 |
| Deluxe Convertible 2d | $68 | $131 |
| Premium Convertible 2d | $71 | $137 |
| Premium Coupe 2d | $71 | $137 |
| Ecoboost Convertible 2d | $75 | $145 |
| Convertible 2d | $75 | $144 |
| Ecoboost Coupe 2d | $79 | $154 |
| Ecoboost Premium Coupe 2d | $79 | $155 |
| Ecoboost Premium Convertible 2d | $80 | $156 |
| Boss 302 Coupe 2d | $81 | $157 |
| Shelby Gt500kr Coupe 2d | $81 | $157 |
| Gt Coupe 2d | $83 | $161 |
| Ecoboost | $83 | $163 |
| Gt 50 Years Limited Edition Coupe 2d | $84 | $162 |
| Shelby Gt500 Convertible 2d | $84 | $164 |
| Shelby Gt500kr Cobra Coupe 2d | $84 | $164 |
| Gt Deluxe Convertible 2d | $85 | $164 |
| Gt Deluxe Coupe 2d | $85 | $165 |
| V6 Convertible 2d | $87 | $169 |
| V6 Coupe 2d | $87 | $169 |
| Gt Premium Convertible 2d | $88 | $170 |
| Gt Premium Coupe 2d | $88 | $171 |
| Shelby Gt500 Cobra Coupe 2d | $90 | $174 |
| V6 Premium Coupe 2d | $90 | $175 |
| Gt Convertible 2d | $92 | $179 |
| V6 Premium Convertible 2d | $93 | $180 |
| Shelby Gt500 Cobra Convertible 2d | $93 | $180 |
| Bullitt Coupe 2d | $95 | $186 |
| Ecoboost Premium | $96 | $188 |
| Shelby Gt350 Coupe 2d | $109 | $213 |
| Shelby Gt350r Coupe 2d | $114 | $224 |
| Gt | $116 | $227 |
| Mach 1 Coupe 2d | $119 | $233 |
| Shelby Gt500 Coupe 2d | $122 | $238 |
| Gt Bullitt Coupe 2d | $124 | $239 |
| Gt Premium | $127 | $249 |
| Mach 1 Premium Coupe 2d | $135 | $260 |
| Cobra Convertible 2d | $143 | $275 |
| Dark Horse | $164 | $321 |
| Cobra Svt Convertible 2d | $169 | $324 |
| Cobra Coupe 2d | $178 | $343 |
| Cobra Svt Coupe 2d | $209 | $403 |
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Ford Mustang Insurance Cost by State
Ford Mustang insurance for minimum coverage ranges from $32 a month in Wyoming to $182 in Louisiana. State risk factors and insurance regulations drive that gap, not anything about the Mustang itself.
| Alabama | $79 | $149 |
| Alaska | $65 | $138 |
| Arizona | $104 | $195 |
| Arkansas | $71 | $160 |
| California | $86 | $174 |
| Colorado | $84 | $202 |
| Connecticut | $122 | $209 |
| Delaware | $122 | $205 |
| Florida | $112 | $259 |
| Georgia | $136 | $222 |
| Hawaii | $49 | $110 |
| Idaho | $48 | $97 |
| Illinois | $80 | $150 |
| Indiana | $56 | $109 |
| Iowa | $48 | $116 |
| Kansas | $62 | $146 |
| Kentucky | $107 | $183 |
| Louisiana | $182 | $390 |
| Maine | $46 | $96 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $190 |
| Michigan | $139 | $267 |
| Minnesota | $73 | $152 |
| Mississippi | $82 | $160 |
| Missouri | $102 | $203 |
| Montana | $61 | $146 |
| Nebraska | $61 | $140 |
| Nevada | $150 | $273 |
| New Hampshire | $63 | $112 |
| New Jersey | $142 | $233 |
| New Mexico | $71 | $158 |
| New York | $107 | $191 |
| North Carolina | $72 | $142 |
| North Dakota | $52 | $113 |
| Ohio | $66 | $128 |
| Oklahoma | $80 | $178 |
| Oregon | $105 | $182 |
| Pennsylvania | $76 | $179 |
| Rhode Island | $109 | $194 |
| South Carolina | $90 | $168 |
| South Dakota | $47 | $145 |
| Tennessee | $68 | $138 |
| Texas | $110 | $225 |
| Utah | $94 | $159 |
| Vermont | $41 | $98 |
| Virginia | $82 | $134 |
| Washington | $79 | $148 |
| West Virginia | $76 | $155 |
| Wisconsin | $57 | $125 |
| Wyoming | $32 | $101 |
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How to Lower the Cost of Ford Mustang Insurance
- 1Choose the right coverage
Figure out how much coverage to buy for your Mustang. Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Financing or leasing means you need 100/300/100 limits, with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Find average auto insurance costs. This helps you find the cheapest car insurance companies.
- 3Look for more than just low rates
Pick reliable car insurance by evaluating insurers beyond their quotes.
- 4Explore discounts you qualify for
Find car insurance discounts for your situation and driving profile. Mustang owners often qualify for good driver discounts, safety feature discounts for modern safety technology, anti-theft device discounts and bundling savings.
- 5Consider alternative car insurance types
Mustang owners can benefit from usage-based insurance programs that track driving behavior. Options like Progressive Snapshot or Allstate Drivewise monitor safe driving habits, and give you premium reductions.
- 6Check rates every year
Get car insurance quotes from multiple companies every year to keep pricing competitive.
Ford Mustang Insurance Cost: Bottom Line
Mustang insurance costs run average, but you can get decent rates. Shop multiple insurers, claim available discounts and adjust your coverage choices to find affordable pricing.
Ford Mustang Insurance Rates: FAQ
Ford Mustang insurance costs $1,059 annually for state minimum coverage and $2,054 for full coverage. This averages to $88 monthly for minimum and $171 monthly for comprehensive protection.
Geico provides the most affordable minimum coverage for a Ford Mustang at $724 annually. The insurer also delivers the best value for full coverage at $1,570 per year.
No, Ford Mustang insurance is not more expensive than most vehicles. The Mustang places 350th out of 827 models for affordability, while ranking 13th among 115 sports cars for insurance costs.
Your driving record and credit score affect Mustang insurance rates, along with your coverage selections.
Compare quotes from several insurers since Ford Mustang pricing varies widely between companies, and consider usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to get better rates.
How We Determined Ford Mustang Insurance Costs
We analyzed hundreds of millions of quotes across all U.S. models sold from 2000 to 2025 to determine the most accurate Ford Mustang insurance costs.
Who We Based These Rates On
These Ford Mustang prices reflect what a typical driver pays:
- 40 years old, unmarried male
- Clean driving record, with no tickets or crashes
- Good credit score
- No prior insurance claims
- About 12,000 miles driven per year
- Valid driver's license with no suspensions
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.