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 including full coverage. Comprehensive insurance costs approximately $406, collision insurance costs $726, and liability costs around $354. Buying just liability costs as low as $406 a year, and insurance for high-risk drivers costs $3,506 or more. Teens cost the most to insure at up to $5,758 a year.

Average premium for full coverage: $1,622

Policy rates by type of insurance:

Comprehensive $406
Collision $726
Liability $354

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Mustang Mach-E trim levels.

Price Range Variability

For a driver around age 40, Ford Mustang Mach-E insurance rates range from as cheap as $406 for your basic liability-only policy to a much higher rate of $3,506 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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 breaks down average Ford Mustang Mach-E insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $909
  • Using higher $1,000 deductibles will save $258 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,622
  • Selecting more expensive low deductibles for physical damage coverage costs an additional $500 every year
  • Drivers with serious driving violations could pay around $3,506
  • Policy cost with full coverage for a teen driver with full coverage can cost $5,758 or more

View Chart as Image

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

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher 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 likely paying anywhere from $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can be as much as 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $760 every year, while increasing your policy's liability limits will push rates upward. Changing 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 prices. A driver around age 40 might see rates as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,310 on average in Louisiana, 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
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 Best Ford Mustang Mach-E Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the car insurance concepts covered above.

  • Higher risk drivers who tend to receive serious violations may have to pay on average $1,880 more per year than a driver with a clean driving record
  • You may be able to save around $200 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $750 each year
  • Policyholders who purchase additional liability coverage will pay approximately $390 per year to increase from a 30/60 limit to higher 250/500 limits

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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