Ford Mustang Mach-E Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Ford Mustang Mach-E are $1,622 a year for full coverage. Comprehensive costs approximately $406, collision costs $726, and liability costs around $354. A policy with just liability insurance costs as low as $406 a year, with coverage for high-risk drivers costing around $3,506. 16-year-old drivers receive the highest rates at $5,758 a year or more.
Average premium for full coverage: $1,622
Rate estimates by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Mustang Mach-E models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $406 for a discount liability-only rate to the much higher price of $3,506 for high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
These examples show why everyone should compare prices using their specific location, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below shows estimated Ford Mustang Mach-E insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $909
- Using higher $1,000 deductibles will save $258 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,622
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $2,122
- Drivers with multiple tickets or accidents could pay around $3,506 or more
- The cost that insures a teen driver for full coverage can cost $5,758 or more
Insurance rates for a Ford Mustang Mach-E can also vary considerably based on the model of your Mustang Mach-E, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,900 to $2,600 additional per year, depending on your age. Ford Mustang Mach-E insurance for high-risk drivers can be as much as 45% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age
Where you live has a huge impact on Ford Mustang Mach-E insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,310 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,464 | -$158 | -9.7% |
| Alaska | $1,242 | -$380 | -23.4% |
| Arizona | $1,344 | -$278 | -17.1% |
| Arkansas | $1,622 | -$0 | 0.0% |
| California | $1,848 | $226 | 13.9% |
| Colorado | $1,546 | -$76 | -4.7% |
| Connecticut | $1,664 | $42 | 2.6% |
| Delaware | $1,832 | $210 | 12.9% |
| Florida | $2,024 | $402 | 24.8% |
| Georgia | $1,496 | -$126 | -7.8% |
| Hawaii | $1,164 | -$458 | -28.2% |
| Idaho | $1,098 | -$524 | -32.3% |
| Illinois | $1,208 | -$414 | -25.5% |
| Indiana | $1,222 | -$400 | -24.7% |
| Iowa | $1,092 | -$530 | -32.7% |
| Kansas | $1,538 | -$84 | -5.2% |
| Kentucky | $2,208 | $586 | 36.1% |
| Louisiana | $2,400 | $778 | 48.0% |
| Maine | $1,000 | -$622 | -38.3% |
| Maryland | $1,338 | -$284 | -17.5% |
| Massachusetts | $1,292 | -$330 | -20.3% |
| Michigan | $2,814 | $1,192 | 73.5% |
| Minnesota | $1,358 | -$264 | -16.3% |
| Mississippi | $1,942 | $320 | 19.7% |
| Missouri | $1,438 | -$184 | -11.3% |
| Montana | $1,740 | $118 | 7.3% |
| Nebraska | $1,276 | -$346 | -21.3% |
| Nevada | $1,944 | $322 | 19.9% |
| New Hampshire | $1,168 | -$454 | -28.0% |
| New Jersey | $1,812 | $190 | 11.7% |
| New Mexico | $1,434 | -$188 | -11.6% |
| New York | $1,704 | $82 | 5.1% |
| North Carolina | $934 | -$688 | -42.4% |
| North Dakota | $1,328 | -$294 | -18.1% |
| Ohio | $1,118 | -$504 | -31.1% |
| Oklahoma | $1,662 | $40 | 2.5% |
| Oregon | $1,486 | -$136 | -8.4% |
| Pennsylvania | $1,544 | -$78 | -4.8% |
| Rhode Island | $2,160 | $538 | 33.2% |
| South Carolina | $1,468 | -$154 | -9.5% |
| South Dakota | $1,366 | -$256 | -15.8% |
| Tennessee | $1,418 | -$204 | -12.6% |
| Texas | $1,952 | $330 | 20.3% |
| Utah | $1,200 | -$422 | -26.0% |
| Vermont | $1,106 | -$516 | -31.8% |
| Virginia | $970 | -$652 | -40.2% |
| Washington | $1,250 | -$372 | -22.9% |
| West Virginia | $1,486 | -$136 | -8.4% |
| Wisconsin | $1,118 | -$504 | -31.1% |
| Wyoming | $1,440 | -$182 | -11.2% |
Opting for high physical damage deductibles could cut rates by as much as $760 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Mustang Mach-E | $438 | $750 | $332 | $1,656 |
| 2023 Ford Mustang Mach-E | $420 | $744 | $338 | $1,638 |
| 2022 Ford Mustang Mach-E | $406 | $726 | $354 | $1,622 |
| 2021 Ford Mustang Mach-E | $392 | $696 | $364 | $1,588 |
Rates are averaged for all Ford Mustang Mach-E models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Ford Mustang Mach-E Insurance
Saving money on car insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Comparison shop every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a condensed summary of the material that was covered in the above illustrations.
- Policyholders who purchase more liability coverage will pay around $390 each year to increase from a minimum limit to the 250/500 level
- Teen drivers are the costliest to insure, costing as high as $480 per month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,880 more per year to insure their Mustang Mach-E
- Increasing deductibles can save approximately $750 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,758 |
| 20 | $3,722 |
| 30 | $1,712 |
| 40 | $1,622 |
| 50 | $1,478 |
| 60 | $1,450 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,122 |
| $250 | $1,888 |
| $500 | $1,622 |
| $1,000 | $1,364 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,622 |
| 50/100 | $1,693 |
| 100/300 | $1,781 |
| 250/500 | $2,011 |
| 100 CSL | $1,728 |
| 300 CSL | $1,923 |
| 500 CSL | $2,065 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,282 |
| 20 | $5,922 |
| 30 | $3,606 |
| 40 | $3,506 |
| 50 | $3,336 |
| 60 | $3,308 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $89 |
| Multi-vehicle | $83 |
| Homeowner | $22 |
| 5-yr Accident Free | $128 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $81 |
| Advance Quote | $84 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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