Ford Mustang Mach-E Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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The average insurance prices for a Ford Mustang Mach-E are $1,588 every 12 months with full coverage. Comprehensive costs around $392 a year, collision costs $696, and liability costs around $364. A liability-only policy costs as low as $416 a year, with high-risk insurance costing around $3,434. Teen drivers cost the most to insure at $5,670 a year or more.
Average premium for full coverage: $1,588
Policy rates for type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Mustang Mach-E trim levels.
Price Range Variability
For a 40-year-old driver, Ford Mustang Mach-E insurance rates go from the cheapest price of $416 for just liability insurance to a high of $3,434 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance rates.
The examples above demonstrate why it is important to compare prices for a specific zip code and their own driving history, instead of making a decision based on price 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 Details
The chart below details estimated Ford Mustang Mach-E insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $893
- Using higher $1,000 deductibles will save about $1,342 annually
- The average price for a good driver age 40 using $500 deductibles is $1,588
- Choosing low $100 deductibles for physical damage coverage increases the price to $2,066
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,434 or more
- Policy cost to insure a 16-year-old driver can be $5,670 or more
Car insurance rates for a Ford Mustang Mach-E also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $730 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $5,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,900 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than average. View High Risk Driver Rates
Your home state has a huge impact on Ford Mustang Mach-E insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,140 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,436 | -$152 | -9.6% |
| Alaska | $1,218 | -$370 | -23.3% |
| Arizona | $1,316 | -$272 | -17.1% |
| Arkansas | $1,588 | -$0 | 0.0% |
| California | $1,810 | $222 | 14.0% |
| Colorado | $1,514 | -$74 | -4.7% |
| Connecticut | $1,630 | $42 | 2.6% |
| Delaware | $1,794 | $206 | 13.0% |
| Florida | $1,982 | $394 | 24.8% |
| Georgia | $1,470 | -$118 | -7.4% |
| Hawaii | $1,140 | -$448 | -28.2% |
| Idaho | $1,076 | -$512 | -32.2% |
| Illinois | $1,182 | -$406 | -25.6% |
| Indiana | $1,196 | -$392 | -24.7% |
| Iowa | $1,070 | -$518 | -32.6% |
| Kansas | $1,508 | -$80 | -5.0% |
| Kentucky | $2,166 | $578 | 36.4% |
| Louisiana | $2,348 | $760 | 47.9% |
| Maine | $982 | -$606 | -38.2% |
| Maryland | $1,310 | -$278 | -17.5% |
| Massachusetts | $1,266 | -$322 | -20.3% |
| Michigan | $2,758 | $1,170 | 73.7% |
| Minnesota | $1,330 | -$258 | -16.2% |
| Mississippi | $1,902 | $314 | 19.8% |
| Missouri | $1,410 | -$178 | -11.2% |
| Montana | $1,704 | $116 | 7.3% |
| Nebraska | $1,250 | -$338 | -21.3% |
| Nevada | $1,902 | $314 | 19.8% |
| New Hampshire | $1,144 | -$444 | -28.0% |
| New Jersey | $1,774 | $186 | 11.7% |
| New Mexico | $1,404 | -$184 | -11.6% |
| New York | $1,670 | $82 | 5.2% |
| North Carolina | $914 | -$674 | -42.4% |
| North Dakota | $1,300 | -$288 | -18.1% |
| Ohio | $1,094 | -$494 | -31.1% |
| Oklahoma | $1,628 | $40 | 2.5% |
| Oregon | $1,454 | -$134 | -8.4% |
| Pennsylvania | $1,512 | -$76 | -4.8% |
| Rhode Island | $2,116 | $528 | 33.2% |
| South Carolina | $1,438 | -$150 | -9.4% |
| South Dakota | $1,340 | -$248 | -15.6% |
| Tennessee | $1,390 | -$198 | -12.5% |
| Texas | $1,912 | $324 | 20.4% |
| Utah | $1,176 | -$412 | -25.9% |
| Vermont | $1,086 | -$502 | -31.6% |
| Virginia | $950 | -$638 | -40.2% |
| Washington | $1,226 | -$362 | -22.8% |
| West Virginia | $1,454 | -$134 | -8.4% |
| Wisconsin | $1,096 | -$492 | -31.0% |
| Wyoming | $1,412 | -$176 | -11.1% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Mustang Mach-E | $420 | $744 | $338 | $1,638 |
| 2023 Ford Mustang Mach-E | $406 | $726 | $354 | $1,622 |
| 2022 Ford Mustang Mach-E | $392 | $696 | $364 | $1,588 |
| 2021 Ford Mustang Mach-E | $370 | $672 | $376 | $1,554 |
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 Shop for Low Cost Ford Mustang Mach-E Insurance
Finding cheaper rates on insurance for a Ford Mustang Mach-E requires having a decent driving record, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by getting quotes from direct companies, and also from several local insurance agents.
The following items are a review of the data illustrated above.
- Insureds who may need additional liability coverage will pay about $400 every year to increase from a 30/60 limit to a 250/500 level
- You may be able to save up to $200 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $473 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,670 |
| 20 | $3,646 |
| 30 | $1,672 |
| 40 | $1,588 |
| 50 | $1,448 |
| 60 | $1,422 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,066 |
| $250 | $1,844 |
| $500 | $1,588 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,588 |
| 50/100 | $1,661 |
| 100/300 | $1,752 |
| 250/500 | $1,988 |
| 100 CSL | $1,697 |
| 300 CSL | $1,897 |
| 500 CSL | $2,043 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,152 |
| 20 | $5,802 |
| 30 | $3,530 |
| 40 | $3,434 |
| 50 | $3,270 |
| 60 | $3,240 |
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 | $87 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $124 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $78 |
| Advance Quote | $82 |
| Online Quote | $116 |
| Total Discounts | $695 |
Discounts are estimated and may not be available from every company or in every state.
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