Ford Mustang Mach-E Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Ford Mustang Mach-E are $1,622 every 12 months including full coverage. Comprehensive costs around $406, collision insurance costs $726, and liability insurance costs around $354. Liability-only insurance costs as low as $406 a year, and high-risk driver insurance costs around $3,506. 16-year-old drivers cost the most to insure at up to $5,758 a year.
Average premium for full coverage: $1,622
Policy rates for type of insurance:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Mustang Mach-E models.
Price Range Variability
For a driver in their 40's, Ford Mustang Mach-E insurance rates range from the cheapest price of $406 for just the minimum liability insurance to the much higher price of $3,506 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how location helps determine auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code 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 Analysis
The chart below breaks down average Ford Mustang Mach-E insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $909
- Using higher $1,000 deductibles will save about $258 every year
- The average price for a good driver age 40 using $500 deductibles is $1,622
- Buying pricier low deductibles for physical damage coverage increases the price to $2,122
- Drivers with multiple tickets or accidents could pay at least $3,506
- Policy cost to insure a teen driver for full coverage can be $5,758 or more
Auto insurance rates for a Ford Mustang Mach-E also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $760 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,900 to $2,600 in extra premium every year, depending on your age. Ford Mustang Mach-E insurance for high-risk drivers can be anywhere from 45% to 131% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Ford Mustang Mach-E insurance rates. A driver around age 40 might see rates as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,310 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for Affordable Ford Mustang Mach-E Insurance
Finding cheaper rates on Ford Mustang Mach-E insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a brief review of the ideas that were covered in the charts and tables above.
- Teenage drivers are expensive to insure, with premiums being up to $480 each month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,880 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $750 each year
- You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
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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