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Key takeaways:
Ford Mustang insurance rates are about $147 more yearly than the average vehicle with full coverage costing about $1,666 a year or $139 a month.
Good drivers are eligible for up to $687 a year in policy discounts by practicing safe driving habits. We’re going to take a quick look at Ford Mustang insurance rates, crash test ratings, and more.
You can start comparing quotes for Ford Mustang car insurance rates from some of the best car insurance companies by using our free online tool now.
Table of Contents
The average Ford Mustang auto insurance costs are $1,666 a year or $139 a month.
The chart below details how Ford Mustang insurance rates compare to other sports cars like the Audi R8, Porsche 911, and Cadillac ATS-V.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Mustang | $348 | $718 | $420 | $1,666 |
| Audi R8 | $594 | $1,338 | $398 | $2,488 |
| Porsche 911 | $482 | $1,042 | $398 | $2,080 |
| Cadillac ATS-V | $406 | $834 | $398 | $1,796 |
| Jaguar F-TYPE | $508 | $1,102 | $398 | $2,166 |
| Audi TT RS | $420 | $774 | $338 | $1,668 |
| Chevrolet Camaro | $348 | $594 | $372 | $1,472 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
The Ford Mustang trim and model you choose can impact the total price you will pay for Ford Mustang insurance coverage.
Older Ford Mustang models generally cost less to insure. For example, auto insurance for a 2020 Ford Mustang costs $1,666, while 2010 Ford Mustang insurance costs are $1,346, a difference of $320.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Ford Mustang | $348 | $718 | $420 | $1,666 |
| 2019 Ford Mustang | $332 | $690 | $440 | $1,642 |
| 2018 Ford Mustang | $320 | $686 | $450 | $1,636 |
| 2017 Ford Mustang | $308 | $668 | $470 | $1,626 |
| 2016 Ford Mustang | $298 | $640 | $486 | $1,604 |
| 2015 Ford Mustang | $282 | $618 | $500 | $1,580 |
| 2014 Ford Mustang | $270 | $574 | $510 | $1,534 |
| 2013 Ford Mustang | $260 | $540 | $514 | $1,494 |
| 2012 Ford Mustang | $248 | $484 | $520 | $1,432 |
| 2011 Ford Mustang | $232 | $446 | $520 | $1,378 |
| 2010 Ford Mustang | $224 | $418 | $524 | $1,346 |
Driver age can have a significant impact on Ford Mustang auto insurance rates. For example, 20-year-old drivers pay approximately $2,038 more each year for their Ford Mustang auto insurance than 30-year-old drivers.
Where you live can have a large impact on Ford Mustang insurance rates. For example, drivers in New York may pay $433 a year more than drivers in Chicago.
Your driving record can have an impact on the cost of Ford Mustang car insurance. Teens and drivers in their 20’s see the highest jump in their Ford Mustang car insurance with violations on their driving record.
The Ford Mustang’s safety ratings will affect your Ford Mustang car insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Not only do good Ford Mustang crash test ratings mean you are better protected in a crash, but good Ford Mustang crash ratings also mean cheaper insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Ford Mustang GT350R 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2020 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Ford Mustang GT350R 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2019 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Ford Mustang GT350R 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2018 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2017 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Ford Mustang C RWD | N/R | N/R | N/R | 5 stars |
| 2016 Ford Mustang 2 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
The more safety features you have on your Ford Mustang, the more likely it is that you can earn a discount. The Ford Mustang’s safety features include:
Review the Ford Mustang car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Ford Mustang auto insurance costs; higher percentages mean higher Ford Mustang auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | 75% |
|---|---|
| Property Damage | -20% |
| Comprehensive | 31% |
| Personal Injury | 9% |
| Medical Payment | 36% |
| Bodily Injury | 17% |
| Source: Insurance Institute for Highway Safety | |
If you are financing a Ford Mustang, most lenders will require your carry higher Ford Mustang coverages including comprehensive coverage, so be sure to compare Ford Mustang car insurance rates from the best companies using our FREE tool below.
You can save more money on your Ford Mustang auto insurance rates by employing any of the following five strategies.
Who is the top auto insurance company for Ford Mustang insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Mustang auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Mustang offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
You can start comparing quotes for Ford Mustang auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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