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 including full coverage. Comprehensive insurance costs approximately $406 a year, collision costs $726, and liability insurance is estimated at $354. Liability-only insurance costs approximately $406 a year, with high-risk driver insurance costing $3,506 or more. Teen 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:
Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 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 low end price of $406 for your basic liability-only policy to a high of $3,506 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
The examples above highlight why it is important to get quotes using their specific location, rather than relying 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 Information
The chart below breaks down estimated Ford Mustang Mach-E insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $909
- Choosing higher $1,000 deductibles can save $1,364 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,622
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $500 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,506 or more
- Policy cost that insures a teen driver can cost $5,758 each year
Auto insurance rates for a Ford Mustang Mach-E also range considerably based on the trim level of your Mustang Mach-E, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 131% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford Mustang Mach-E insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,310 on average in Louisiana, New York, 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% |
Choosing high deductibles can save as much as $760 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied.
| 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 Cheaper Ford Mustang Mach-E Insurance
Finding cheaper rates on Ford Mustang Mach-E insurance takes not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The following is a condensed summary of the ideas that were illustrated above.
- Teens have the highest car insurance rates, with premiums being up to $480 each month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents will likely pay on average $1,880 more per year for Mustang Mach-E insurance
- Increasing comprehensive and collision deductibles can save approximately $750 each year
- You may be able to 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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