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 prices for a Ford Mustang Mach-E are $1,588 every 12 months for full coverage. Comprehensive insurance costs on average $392, collision costs $696, and liability is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing $3,434 or more. 16-year-old drivers cost the most to insure at $5,670 a year or more.
Average premium for full coverage: $1,588
Policy rates by type of insurance:
These estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Mustang Mach-E models.
Price Range Variability
For a driver in their 40's, Ford Mustang Mach-E insurance rates go from the cheapest price of $416 for a discount liability-only rate to the much higher price of $3,434 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
The examples above show why everyone should get quotes based on a specific location and their own driving history, instead of using 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.
Rates by State, City, and Model
The chart below shows estimated Ford Mustang Mach-E insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $893
- Choosing higher $1,000 deductibles can save around $246 a year
- The average price for a good driver age 40 with $500 deductibles is $1,588
- Buying pricier low deductibles for comp and collision coverage costs an extra $478 every year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,434 or more
- Policy cost to insure a teen driver for full coverage may cost $5,670 each year
Auto insurance rates for a Ford Mustang Mach-E also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Mustang Mach-E.
Opting for high physical damage deductibles can save as much as $730 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $5,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,500 in extra premium every year, depending on your age. Ford Mustang Mach-E insurance for high-risk drivers ranges as much as 44% to 134% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Ford Mustang Mach-E insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,260 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.
| 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 Cheap Ford Mustang Mach-E Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.
The following is a brief summary of the material that was covered in the charts and tables above.
- Policyholders who require higher liability limits will pay around $400 each year to raise limits from a 30/60 limit to a 250/500 level
- Teens are charged the highest rates, costing up to $473 each month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,850 more each year for Mustang Mach-E insurance
- Increasing comprehensive and collision deductibles could save as much as $725 each year
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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