Ford Mustang Mach-E Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Ford Mustang Mach-E are $1,588 every 12 months including full coverage. Comprehensive insurance costs approximately $392, collision costs $696, and liability insurance costs around $364. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing $3,434 or more. 16-year-old drivers pay the highest rates at $5,670 a year or more.
Average premium for full coverage: $1,588
Price estimates by individual coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Mustang Mach-E trim levels.
Price Range from Low to High
For the average driver, Ford Mustang Mach-E insurance prices go from the cheapest price of $416 for the bare minimum liability coverage to a much higher rate of $3,434 for a high-risk insurance policy.
Geographic Price Range
Where you live has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates how location impacts auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on 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.
Additional Rate Information
The chart below breaks down estimated Ford Mustang Mach-E insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $893
- Using higher $1,000 deductibles will save $246 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,588
- Buying more expensive low deductibles for physical damage coverage costs an extra $478 a year
- Drivers with multiple tickets or accidents could pay around $3,434 or more
- The price to insure a teen driver with full coverage can cost $5,670 or more
Car insurance prices for a Ford Mustang Mach-E are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Mustang Mach-E.
Opting for high physical damage deductibles could cut prices by as much as $730 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Ford Mustang Mach-E insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,260 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.
| 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 More Affordable Ford Mustang Mach-E Insurance
Getting lower rates on Ford Mustang Mach-E insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The items below are a summary of the car insurance concepts touched on above.
- High-risk drivers who have multiple accidents or major violations could be charged and average of $1,850 more per year to insure their Mustang Mach-E
- You may be able to save around $200 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $725 each year
- Drivers who purchase more liability coverage will pay around $400 per year to increase from a low limit to a 250/500 level
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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