View 2023 Ford Mustang Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 10, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

When trying to find lower-priced insurance, are you frustrated by the crazy number of auto insurance providers? Many other drivers are too. There are so many providers to choose from that it can easily turn into more work than you anticipated to find better auto insurance rates.

Choosing the best insurance company for you is not that difficult. In a nutshell, everyone who carries insurance will be able to find better rates. But car owners must know the methods companies use to sell online and take advantage of how the system works.

How to get insurance quotes

Performing a rate comparison is a ton of work if you don’t know the easiest way. You can waste a few hours (or days) talking to insurance companies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most major companies belong to a marketplace that enables customers to complete one form, and each company provides a quote based on that data. This eliminates the need for quote forms for each company you want a rate for. To compare rates now enter your zip code here.

The one disadvantage to getting quotes like this is you can’t choose which carriers to receive prices from. So if you want to choose from a list of companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click to enter zip code for insurance companies.

The method you choose is up to you, but compare identical coverage information for each comparison quote. If you use different liability limits it will be nearly impossible to determine the lowest rate for your Ford Mustang. Slightly different coverage limits could skew the results. Just keep in mind that comparing more rates from different companies will enable you to find a lower rate.

What is the best insurance coverage?

When it comes to choosing the best insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Does my car insurance cover rental cars?
  • Is my dog or cat covered if injured in an accident?
  • What companies insure drivers after a DUI or DWI?
  • How much liability do I need to cover my assets?
  • Should I put collision coverage on all my vehicles?
  • Which is better, split liability limits or combined limits?
  • When would I need additional glass coverage?
  • What is high-risk coverage and where do I buy it?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete your zip code.

Auto insurance coverage considerations

Having a good grasp of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – This coverage covers damage to your Mustang resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, driving through your garage door, colliding with a tree, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage provide coverage for immediate expenses for surgery, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This coverage provides protection from damage or injury you incur to other’s property or people. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Mustang.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

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