Ford Mustang Mach-E Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Ford Mustang Mach-E are $1,638 every 12 months including full coverage. Comprehensive insurance costs an estimated $420, collision insurance costs $744, and liability coverage costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance costs $3,538 or more. Teen drivers cost the most to insure at up to $5,780 a year.
Average premium for full coverage: $1,638
Policy rates broken down by type of insurance:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Mustang Mach-E trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Mustang Mach-E insurance rates range from the cheapest price of $394 for just liability coverage to a much higher rate of $3,538 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using 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.
Detailed Rate Analysis
The chart below breaks down average Ford Mustang Mach-E insurance rates for other coverage scenarios.
- The lowest rate with discounts is $918
- Using higher $1,000 deductibles will save approximately $266 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,638
- Choosing more expensive low deductibles for physical damage coverage costs an extra $512 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,538
- Policy cost to insure a teenage driver with full coverage can cost as much as $5,780 or more
Auto insurance rates for a Ford Mustang Mach-E also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $780 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $5,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can be around 45% to 130% more than average. View High Risk Driver Rates
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 $1,250 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,340 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,480 | -$158 | -9.6% |
| Alaska | $1,256 | -$382 | -23.3% |
| Arizona | $1,360 | -$278 | -17.0% |
| Arkansas | $1,638 | -$0 | 0.0% |
| California | $1,866 | $228 | 13.9% |
| Colorado | $1,564 | -$74 | -4.5% |
| Connecticut | $1,682 | $44 | 2.7% |
| Delaware | $1,852 | $214 | 13.1% |
| Florida | $2,046 | $408 | 24.9% |
| Georgia | $1,514 | -$124 | -7.6% |
| Hawaii | $1,178 | -$460 | -28.1% |
| Idaho | $1,110 | -$528 | -32.2% |
| Illinois | $1,218 | -$420 | -25.6% |
| Indiana | $1,236 | -$402 | -24.5% |
| Iowa | $1,104 | -$534 | -32.6% |
| Kansas | $1,556 | -$82 | -5.0% |
| Kentucky | $2,234 | $596 | 36.4% |
| Louisiana | $2,426 | $788 | 48.1% |
| Maine | $1,012 | -$626 | -38.2% |
| Maryland | $1,352 | -$286 | -17.5% |
| Massachusetts | $1,308 | -$330 | -20.1% |
| Michigan | $2,844 | $1,206 | 73.6% |
| Minnesota | $1,374 | -$264 | -16.1% |
| Mississippi | $1,962 | $324 | 19.8% |
| Missouri | $1,452 | -$186 | -11.4% |
| Montana | $1,758 | $120 | 7.3% |
| Nebraska | $1,288 | -$350 | -21.4% |
| Nevada | $1,962 | $324 | 19.8% |
| New Hampshire | $1,180 | -$458 | -28.0% |
| New Jersey | $1,830 | $192 | 11.7% |
| New Mexico | $1,450 | -$188 | -11.5% |
| New York | $1,724 | $86 | 5.3% |
| North Carolina | $944 | -$694 | -42.4% |
| North Dakota | $1,344 | -$294 | -17.9% |
| Ohio | $1,130 | -$508 | -31.0% |
| Oklahoma | $1,680 | $42 | 2.6% |
| Oregon | $1,500 | -$138 | -8.4% |
| Pennsylvania | $1,562 | -$76 | -4.6% |
| Rhode Island | $2,184 | $546 | 33.3% |
| South Carolina | $1,484 | -$154 | -9.4% |
| South Dakota | $1,382 | -$256 | -15.6% |
| Tennessee | $1,434 | -$204 | -12.5% |
| Texas | $1,974 | $336 | 20.5% |
| Utah | $1,210 | -$428 | -26.1% |
| Vermont | $1,118 | -$520 | -31.7% |
| Virginia | $982 | -$656 | -40.0% |
| Washington | $1,264 | -$374 | -22.8% |
| West Virginia | $1,500 | -$138 | -8.4% |
| Wisconsin | $1,132 | -$506 | -30.9% |
| Wyoming | $1,458 | -$180 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Mustang Mach-E | $458 | $780 | $316 | $1,690 |
| 2023 Ford Mustang Mach-E | $438 | $750 | $332 | $1,656 |
| 2022 Ford Mustang Mach-E | $420 | $744 | $338 | $1,638 |
| 2021 Ford Mustang Mach-E | $406 | $726 | $354 | $1,622 |
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 More Affordable Ford Mustang Mach-E Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a summary of the ideas that were raised in the charts and tables above.
- Drivers under the age of 20 are the costliest to insure, with premiums being up to $482 each month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may have to pay on average $1,900 more annually to insure a Ford Mustang Mach-E
- Increasing comprehensive and collision deductibles could save as much as $775 each year
- You may be able to save approximately $210 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,780 |
| 20 | $3,756 |
| 30 | $1,730 |
| 40 | $1,638 |
| 50 | $1,492 |
| 60 | $1,466 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,150 |
| $250 | $1,914 |
| $500 | $1,638 |
| $1,000 | $1,372 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,638 |
| 50/100 | $1,706 |
| 100/300 | $1,790 |
| 250/500 | $2,010 |
| 100 CSL | $1,739 |
| 300 CSL | $1,925 |
| 500 CSL | $2,061 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,318 |
| 20 | $5,976 |
| 30 | $3,642 |
| 40 | $3,538 |
| 50 | $3,368 |
| 60 | $3,340 |
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 | $90 |
| Multi-vehicle | $83 |
| Homeowner | $22 |
| 5-yr Accident Free | $130 |
| 5-yr Claim Free | $108 |
| Paid in Full/EFT | $82 |
| Advance Quote | $85 |
| Online Quote | $120 |
| Total Discounts | $720 |
Discounts are estimated and may not be available from every company or in every state.
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