Ford Mustang Car Insurance Quotes (2025)
Ford Mustang drivers pay an average of $229 per month for full-coverage car insurance.
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One of the bestselling sports cars in the world, the Ford Mustang costs an average of $176 per month to insure. Compared to the 2025 Nissan Z, which has an MSRP of $44,110, the 2025 Ford Mustang starts at a cheaper MSRP of $33,515.
But average Ford Mustang auto insurance rates can vary depending on the insurance company and factors like your age, driving record, accident history, and location. With so many different factors affecting premiums, it’s a good idea to see how Mustang car insurance rates compare across insurance companies.
Quick Facts
Trim options may increase both MSRP and insurance costs.
Older Ford Mustang models are generally cheaper to insure.
Liability insurance for a Ford Mustang costs an average of $122 per month, and full coverage costs $229 per month, Insurify data shows.
Cost of Ford Mustang insurance by model year
Ford Mustangs are cheapest to insure through USAA, at $170 per month for a 2024 model with a full-coverage policy. This is similar to the average national full-coverage car insurance premium of $172 per month.
Remember, add-ons like roadside assistance and towing services can further increase Ford Mustang insurance costs. Check out different Ford Mustang insurance costs by model year in the table below.
Model Year  | Average Monthly Quote |
|---|---|
| 2024 | $259 |
| 2023 | $254 |
| 2022 | $239 |
| 2021 | $214 |
| 2020 | $214 |
| 2019 | $200 |
| 2018 | $212 |
| 2017 | $194 |
| 2016 | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Ford Mustang has a starting MSRP of $33,515. The Mustang Dark Horse trim level starts at a much higher MSRP of $65,975.[1]
Average monthly quotes for the 2025 Ford Mustang aren’t included below due to insufficient data. In general, the newer your vehicle, the higher your car insurance costs will be.
The MSRP for the 2024 Ford Mustang starts at $33,515, and Kelley Blue Book ranks it No. 4 in its Best Convertibles of 2024 list. Check out average monthly insurance costs for this model year in the table below.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $82 $170 GEICO $94 $202 State Farm $96 $204 Allstate $106 $226 American Family $122 $264 Nationwide $150 $313 Travelers $158 $330 Progressive $170 $263 Farmers $190 $402 Liberty Mutual $299 $430 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Ford Mustang 2023 models have MSRPs between $30,740 and $58,395.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $80 $168 GEICO $92 $198 State Farm $94 $200 Allstate $104 $222 American Family $120 $260 Nationwide $147 $308 Travelers $156 $325 Progressive $168 $258 Farmers $186 $395 Liberty Mutual $294 $422 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Used 2022 Ford Mustangs have MSRPs between $30,440 and $80,795.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $76 $158 GEICO $87 $186 State Farm $88 $188 Allstate $98 $209 American Family $113 $244 Nationwide $138 $289 Travelers $146 $305 Progressive $158 $243 Farmers $175 $371 Liberty Mutual $277 $397 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on model options, 2021 Ford Mustangs have MSRPs between $29,995 and $74,095.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $68 $141 GEICO $78 $167 State Farm $79 $168 Allstate $88 $187 American Family $101 $219 Nationwide $124 $259 Travelers $131 $274 Progressive $141 $217 Farmers $157 $333 Liberty Mutual $248 $356 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020 Ford Mustang’s prices vary based on trim levels, ranging between $29,460 and $74,095.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $68 $141 GEICO $78 $167 State Farm $79 $168 Allstate $88 $187 American Family $101 $219 Nationwide $124 $259 Travelers $131 $273 Progressive $141 $217 Farmers $157 $332 Liberty Mutual $248 $356 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Trim levels also significantly affect 2019 Ford Mustang prices, with MSRPs between $29,085 and $69,530.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $63 $132 GEICO $73 $156 State Farm $74 $157 Allstate $82 $175 American Family $94 $204 Nationwide $116 $242 Travelers $122 $255 Progressive $132 $203 Farmers $147 $311 Liberty Mutual $231 $332 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Prices may vary by ZIP code, but the original MSRP for these sports cars was between $28,270 and $65,545.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $67 $140 GEICO $77 $165 State Farm $78 $167 Allstate $87 $185 American Family $100 $216 Nationwide $122 $256 Travelers $130 $271 Progressive $140 $215 Farmers $155 $329 Liberty Mutual $245 $352 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
This was the final year of the V-6 Coupe, starting at $27,280 MSRP. The MSRP for the most expensive model, the Shelby GT350R Coupe, was $63,245.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $61 $128 GEICO $70 $151 State Farm $72 $152 Allstate $79 $169 American Family $91 $198 Nationwide $112 $235 Travelers $119 $248 Progressive $128 $197 Farmers $142 $301 Liberty Mutual $224 $322 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2016, the money you’d spend on a 2016 Ford Mustang could range from $26,240 to $62,195 MSRP.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $58 $122 GEICO $67 $144 State Farm $68 $145 Allstate $76 $161 American Family $87 $189 Nationwide $107 $223 Travelers $113 $236 Progressive $122 $187 Farmers $135 $286 Liberty Mutual $213 $306 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Ford insurance by state
Where you live, even down to your ZIP code, can affect how much you pay for car insurance.[2] In the chart below, you can see the average monthly cost of Ford car insurance across all Ford models by state.
Full-Coverage Rates by State
State | Average Monthly Quote: Full Coverage |
|---|---|
| Alabama | $129 |
| Arizona | $158 |
| Arkansas | $232 |
| California | $218 |
| Colorado | $199 |
| Connecticut | $303 |
| Delaware | $223 |
| Florida | $208 |
| Georgia | $226 |
| Idaho | $113 |
| Illinois | $154 |
| Indiana | $131 |
| Iowa | $110 |
| Kansas | $149 |
| Kentucky | $196 |
| Louisiana | $201 |
| Maine | $136 |
| Maryland | $307 |
| Massachusetts | $161 |
| Michigan | $251 |
| Minnesota | $177 |
| Mississippi | $188 |
| Missouri | $175 |
| Montana | $150 |
| Nebraska | $158 |
| Nevada | $254 |
| New Hampshire | $102 |
| New Jersey | $161 |
| New Mexico | $144 |
| New York | $427 |
| North Carolina | $85 |
| North Dakota | $124 |
| Ohio | $117 |
| Oklahoma | $161 |
| Oregon | $146 |
| Pennsylvania | $157 |
| Rhode Island | $134 |
| South Carolina | $244 |
| South Dakota | $117 |
| Tennessee | $135 |
| Texas | $214 |
| Utah | $166 |
| Vermont | $137 |
| Virginia | $174 |
| Washington | $145 |
| District of Columbia | $311 |
| West Virginia | $142 |
| Wisconsin | $120 |
| Wyoming | $108 |
Source: Alaska and Hawaii omitted due to insufficient data.
How to ensure you have enough coverage on your Ford Mustang
Every U.S. state except New Hampshire requires drivers to carry a minimum amount of liability coverage that covers property damage and medical bills if you cause an accident.[3] But you should consider carrying some additional optional coverages for your Ford Mustang, including:
Collision coverage
Collision coverage reimburses you for vehicle damages from collisions with objects like telephone poles, trees, or cars. It also covers damages from hitting curbs, driving over potholes, and flipping your car.
Comprehensive coverage
Comprehensive coverage pays for damages from non-collision incidents, including weather damage, vandalism, and theft.
Gap coverage
In the case of a total loss, gap insurance covers the difference between the current market value of the vehicle and how much you still owe on it, which can be particularly useful for sports cars, given their higher-than-average prices. In many cases, the market value is lower than your outstanding loan balance.[4]
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage reimburses you if an uninsured or underinsured driver hits you. It’s optional in most states but may be especially helpful in places where a high percentage of drivers don’t have car insurance.
Ford Mustang car insurance FAQs
Ford Mustang car insurance rates vary based on factors like your age, vehicle safety features, ZIP code, location, discounts, driving record, credit history, and more. Below, you’ll find answers to some of the most commonly asked questions from Ford Mustang owners.
USAA has the cheapest car insurance rates for 2016–2024 Ford Mustangs, followed by GEICO and State Farm. But opting for a full-coverage policy rather than just the state-required liability-only coverage usually leads to higher premium prices. Insurance companies also base Ford Mustang car insurance rates on other factors, like driver profile and driving history.
Yes. Compared to non-sports cars, such as the Honda Civic, Toyota Camry, and Acura Integra, Ford Mustangs tend to be more expensive to insure. The 2025 Civic, Camry, and Integra all earned IIHS Top Safety Pick accolades, while the Ford Mustang didn’t.[5] This may be one reason why Ford Mustang insurance is more expensive.
Ford Mustang car insurance rates may be higher for a number of reasons that aren’t related to driver history or profile. Mustang parts may be more expensive than standard car parts, especially for special edition models. A Mustang is also considered a sports car, whereas a Toyota Camry is considered a basic sedan. Sports cars generally cost more to insure than standard cars.
Insurance rates vary depending on many factors, but 16-year-olds and 17-year-olds should expect to pay more than 20-year-old and 30-year-old drivers. Teens, as well as young drivers, typically pay more than older drivers because they have a higher rate of at-fault and fatal accidents.[6] People with clean driving records will also likely have lower rates across all age groups.
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Sources
- Kelley Blue Book. "2025 Ford Mustang."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto Insurance Basics."
- Insurance Information Institute. "What is gap insurance?."
- Insurance Institute for Highway Safety. "2025 Top Safety Picks."
- Insurance Institute for Highway Safety. "Teenagers."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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