Ford Mustang Car Insurance Quotes (2025)

Ford Mustang drivers pay an average of $229 per month for full-coverage car insurance.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 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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Cheapest recent rates

Drivers have found policies from Aspire General, Safeco, National General, and more, for rates as low as $36/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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
sort ascsort desc
Average Monthly Quote
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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 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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 Company
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus 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
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages from non-collision incidents, including weather damage, vandalism, and theft.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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]

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 20162024 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.

Sources

  1. Kelley Blue Book. "2025 Ford Mustang."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Insurance Information Institute. "Auto Insurance Basics."
  4. Insurance Information Institute. "What is gap insurance?."
  5. Insurance Institute for Highway Safety. "2025 Top Safety Picks."
  6. Insurance Institute for Highway Safety. "Teenagers."
Nick Dauk
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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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