Ford Mustang Mach-E Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Ford Mustang Mach-E are $1,622 a year for full coverage. Comprehensive costs approximately $406 a year, collision costs $726, and liability costs $354. Liability-only insurance costs as little as $406 a year, with high-risk driver insurance costing around $3,506. Teenage 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:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Mustang Mach-E trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Mustang Mach-E insurance rates go from as low as $406 for just liability insurance to a high of $3,506 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above show why it is important to compare rates using their specific location and risk profile, instead of making a decision based on average rates.
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 shows estimated Ford Mustang Mach-E insurance rates for additional coverage and risk scenarios.
- The best discount rate is $909
- Drivers who choose higher $1,000 deductibles will pay $1,364 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,622
- Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,122
- Drivers who are prone to accidents and violations could pay around $3,506 or more
- Policy cost for full coverage for a 16-year-old driver can cost $5,758 a year
Auto insurance rates for a Ford Mustang Mach-E also range considerably based on your risk profile, the trim level of your Mustang Mach-E, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,700 a year. View Rates by Age
Your home state makes a big difference in Ford Mustang Mach-E insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,310 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $760 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 131% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
| 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 Find the Best Ford Mustang Mach-E Insurance
Finding cheaper rates on insurance for a Ford Mustang Mach-E not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a brief recap of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,880 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $480 each month if they have full coverage
- Drivers can save around $200 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $750 each year
- Drivers can save around $200 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,122 |
| $250 | $1,888 |
| $500 | $1,622 |
| $1,000 | $1,364 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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