Ford Mustang Car Insurance Quotes (2026)
Ford Mustang drivers pay an average of $229 per month for full-coverage car insurance.
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Writer: Nick DaukInsurance Writer
Writer: Nick DaukInsurance Writer
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Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Editor: Ashley CoxSenior Managing Editor
Editor: Ashley CoxSenior Managing Editor
Qualifications:
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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Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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2025 Ford Mustang insurance
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.
2024 Ford Mustang insurance
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 Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Ford Mustang insurance
Ford Mustang 2023 models have MSRPs between $30,740 and $58,395.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Ford Mustang insurance
Used 2022 Ford Mustangs have MSRPs between $30,440 and $80,795.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2021 Ford Mustang insurance
Depending on model options, 2021 Ford Mustangs have MSRPs between $29,995 and $74,095.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Ford Mustang insurance
The 2020 Ford Mustang’s prices vary based on trim levels, ranging between $29,460 and $74,095.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Ford Mustang insurance
Trim levels also significantly affect 2019 Ford Mustang prices, with MSRPs between $29,085 and $69,530.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Ford Mustang insurance
Prices may vary by ZIP code, but the original MSRP for these sports cars was between $28,270 and $65,545.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Ford Mustang insurance
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 Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Ford Mustang insurance
In 2016, the money you’d spend on a 2016 Ford Mustang could range from $26,240 to $62,195 MSRP.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 |
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.
Which company has the cheapest Ford Mustang insurance?
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.
Are Ford Mustangs expensive to insure?
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.
Why is Mustang insurance so 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.
How much is insurance for a 17-year-old with a Mustang?
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.
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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Writer: Nick DaukInsurance Writer
Writer: Nick DaukInsurance Writer
Qualifications:
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Editor: Ashley CoxSenior Managing Editor
Editor: Ashley CoxSenior Managing Editor
Qualifications:
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.
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.