Ford Mustang Mach-E Insurance Rates

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2021 Ford Mustang Mach-E Insurance Rates in 2025 – 8 Ways to Save

Want the cheapest insurance rates for your Ford Mustang Mach-E? Have you had enough of wondering where the money will come from to pay your insurance bill each month? Your situation is no different than many other consumers. Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the l...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Ford Mustang Mach-E are $1,622 annually for full coverage insurance. Comprehensive costs approximately $406 a year, collision costs $726, and liability coverage costs around $354. Buying just liability costs as low as $406 a year, with insurance for high-risk drivers costing around $3,506. 16-year-old drivers cost the most to insure at $5,758 a year or more.

Average premium for full coverage: $1,622

Policy rates by type of insurance:

Comprehensive $406
Collision $726
Liability $354

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Mustang Mach-E trim levels.

Price Range Variability

For an average driver, Ford Mustang Mach-E insurance rates go from as cheap as $406 for your basic liability-only policy to a high of $3,506 for a driver required to buy high-risk insurance.

Liability Only $406
Full Coverage $1,622
High Risk $3,506

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,217
Small Cities $1,703
Large Cities $2,190

The examples above illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than 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.

More Rate Information

The chart below illustrates 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 $1,364 each year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,622
  • Buying low $100 deductibles for physical damage coverage will cost $2,122
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,506 or more
  • Policy cost with full coverage for a teenage driver can cost $5,758 or more

View Chart as Image

Ford Mustang Mach-E insurance cost comparison chart
Column chart showing full coverage Ford Mustang Mach-E insurance rates range from $909 to $5,758

Insurance rates for a Ford Mustang Mach-E also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be around 45% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $760 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Mustang Mach-E insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,190 on average in Florida, New York, and Michigan.

Ford Mustang Mach-E Insurance Rates by State
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%

View Chart as Image

Ford Mustang Mach-E insurance rates by U.S. city

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so the rates will be varied between companies.

Ford Mustang Mach-E Insurance Rates by Model Year
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 Buy the Cheapest Ford Mustang Mach-E Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the data covered in the above illustrations.

  • Consumers who purchase an increased level of liability coverage will pay around $390 annually to increase from a 30/60 limit to higher 250/500 limits
  • It is possible to save around $200 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $750 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $480 each month including comprehensive and collision insurance

Rates by Driver Age

Ford Mustang Mach-E Insurance 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

Ford Mustang Mach-E Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,122
$250 $1,888
$500 $1,622
$1,000 $1,364

Full coverage, driver age 40

Rates by Liability Limit

Ford Mustang Mach-E Insurance Rates with Different Liability Limits
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

Ford Mustang Mach-E Insurance 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.

SR-22 Surcharge $228

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
Rate after discounts $909

Discounts are estimated and may not be available from every company or in every state.

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