The Ford Mustang is an American muscle car that has spanned seven generations since its debut in 1964. The 2026 Mustang features a supercharged V8 engine and an eight-speed dual clutch, combining racing power with instant shifting. No matter what kind of Ford Mustang you drive, it needs to be protected with the right car insurance.
When it's time to find the best Ford Mustang insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford Mustang by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Mustang Car Insurance
Ford Mustang insurance costs an average of $2,054 per year, or approximately $171 per month, for full coverage in 2026.
Ford Mustang insurance costs vary widely by state, with drivers in Wyoming paying an average of only $32 monthly for minimum coverage, while those in Louisiana pay $182.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Mustang insurance.
Erie, Progressive, and USAA are the cheapest carriers for model-year 2025 Ford Mustang insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Mustang model.
What Is Ford Mustang Insurance?
Ford Mustang insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a muscle car, the Mustang may require additional coverage beyond what standard sedans need. However, the Mustang's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford Mustang drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Ford Mustang:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
A local independent insurance agent can help you get set up with all the Ford Mustang insurance you need to satisfy your state's coverage requirements.
How Much Does Ford Mustang Insurance Cost?
The average cost of car insurance for a Ford Mustang is $2,054 per year, or approximately $171 per month, for full coverage. Minimum coverage for a Ford Mustang costs an average of $1,059 annually, or approximately $88 monthly. However, several factors can influence the cost of Ford insurance, including:
- The specific type of Mustang you drive
- Annual mileage
- The types and amount of coverage you need
- Your claims history
- Your location
- Your credit score (where allowed)
- Vehicle safety features
- Your driving history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Mustang full coverage insurance or a basic Ford Mustang liability insurance policy.
Is the Ford Mustang Expensive to Insure?
Yes and no. The Ford Mustang's average monthly insurance rates are higher than those for other Ford vehicles, but lower than those for other cars in general. The table below compares the Mustang's average monthly auto insurance rates to those of other Fords and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford Mustang | $171 |
| All Fords | $163 |
| All Cars | $175 |
Average Ford Mustang Insurance Rates Compared to Similar Vehicles
The Ford Mustang's average insurance rates fall in the middle of the pack when compared to similar vehicles in its class, including the BMW Z3, the Porsche Boxster, and the Alfa Romeo 4C. The table below compares the Mustang's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Chrysler Crossfire | $122 |
| BMW Z3 | $125 |
| Porsche Boxster | $125 |
| Ford Mustang | $130 |
| Alfa Romeo 4C | $130 |
| Chevrolet SS | $134 |
| Scion FR-S | $138 |
Ford Mustang Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Mustang and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Ford Mustang* | $2,289 |
| 2025 Ford Mustang | $983 |
| 2024 Ford Mustang | $1,043 |
| 2023 Ford Mustang | $998 |
| 2022 Ford Mustang | $1,221 |
| 2021 Ford Mustang | $1,075 |
| 2020 Ford Mustang | $717 |
| 2019 Ford Mustang | $1,015 |
| 2018 Ford Mustang | $824 |
| 2017 Ford Mustang | $1,011 |
| 2016 Ford Mustang | $842 |
| 2015 Ford Mustang | $602 |
| 2014 Ford Mustang | $654 |
| 2013 Ford Mustang | $512 |
| 2012 Ford Mustang | $763 |
| 2011 Ford Mustang | $817 |
| 2010 Ford Mustang | $688 |
*Note: The 2026 Mustang's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Ford Mustang Car Insurance Companies for 2026
Believe it or not, you can find affordable Ford Mustang insurance from many different carriers. These top-rated Ford car insurance companies provide the cheapest model-year 2025 Mustang insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Erie | $1,949 |
| Progressive | $2,138 |
| USAA | $2,162 |
| American Family | $2,292 |
| Nationwide | $2,453 |
| Allstate | $6,932 |
Ford Mustang Car Insurance Rates by State
Location is one of the biggest factors that affect car insurance costs. Here are some average auto insurance rates for the Ford Mustang by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $79 | $149 |
| Alaska | $65 | $138 |
| Arizona | $104 | $195 |
| Arkansas | $71 | $160 |
| California | $86 | $174 |
| Colorado | $84 | $202 |
| Connecticut | $122 | $209 |
| Delaware | $122 | $205 |
| Florida | $112 | $259 |
| Georgia | $136 | $222 |
| Hawaii | $49 | $110 |
| Idaho | $48 | $97 |
| Illinois | $80 | $150 |
| Indiana | $56 | $109 |
| Iowa | $48 | $116 |
| Kansas | $62 | $146 |
| Kentucky | $107 | $183 |
| Louisiana | $182 | $390 |
| Maine | $46 | $96 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $190 |
| Michigan | $139 | $267 |
| Minnesota | $73 | $152 |
| Mississippi | $82 | $160 |
| Missouri | $102 | $203 |
| Montana | $61 | $146 |
| Nebraska | $61 | $140 |
| Nevada | $150 | $273 |
| New Hampshire | $63 | $112 |
| New Jersey | $142 | $233 |
| New Mexico | $71 | $158 |
| New York | $107 | $191 |
| North Carolina | $72 | $142 |
| North Dakota | $52 | $113 |
| Ohio | $66 | $128 |
| Oklahoma | $80 | $178 |
| Oregon | $105 | $182 |
| Pennsylvania | $76 | $179 |
| Rhode Island | $109 | $194 |
| South Carolina | $90 | $168 |
| South Dakota | $47 | $145 |
| Tennessee | $68 | $138 |
| Texas | $110 | $225 |
| Utah | $94 | $159 |
| Vermont | $41 | $98 |
| Virginia | $82 | $134 |
| Washington | $79 | $148 |
| West Virginia | $76 | $155 |
| Wisconsin | $57 | $125 |
| Wyoming | $32 | $101 |
Average Ford Mustang Insurance Rates by Trim Level
Your Mustang's specific trim can also affect its car insurance costs. Here are some average Ford Mustang insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Coupe 2d | $63 | $121 |
| Deluxe Coupe 2d | $67 | $130 |
| Deluxe Convertible 2d | $68 | $131 |
| Premium Convertible 2d | $71 | $137 |
| Premium Coupe 2d | $71 | $137 |
| Ecoboost Convertible 2d | $75 | $145 |
| Convertible 2d | $75 | $144 |
| Ecoboost Coupe 2d | $79 | $154 |
| Ecoboost Premium Coupe 2d | $79 | $155 |
| Ecoboost Premium Convertible 2d | $80 | $156 |
| Boss 302 Coupe 2d | $81 | $157 |
| Shelby GT500kr Coupe 2d | $81 | $157 |
| GT Coupe 2d | $83 | $161 |
| Ecoboost | $83 | $163 |
| GT 50 Years Limited Edition Coupe 2d | $84 | $162 |
| Shelby GT500 Convertible 2d | $84 | $164 |
| Shelby GT500kr Cobra Coupe 2d | $84 | $164 |
| GT Deluxe Convertible 2d | $85 | $164 |
| GT Deluxe Coupe 2d | $85 | $165 |
| V6 Convertible 2d | $87 | $169 |
| V6 Coupe 2d | $87 | $169 |
| GT Premium Convertible 2d | $88 | $170 |
| GT Premium Coupe 2d | $88 | $171 |
| Shelby GT500 Cobra Coupe 2d | $90 | $174 |
| V6 Premium Coupe 2d | $90 | $175 |
| GT Convertible 2d | $92 | $179 |
| V6 Premium Convertible 2d | $93 | $180 |
| Shelby GT500 Cobra Convertible 2d | $93 | $180 |
| Bullitt Coupe 2d | $95 | $186 |
| Ecoboost Premium | $96 | $188 |
| Shelby GT350 Coupe 2d | $109 | $213 |
| Shelby GT350r Coupe 2d | $114 | $224 |
| GT | $116 | $227 |
| Mach 1 Coupe 2d | $119 | $233 |
| Shelby GT500 Coupe 2d | $122 | $238 |
| GT Bullitt Coupe 2d | $124 | $239 |
| GT Premium | $127 | $249 |
| Mach 1 Premium Coupe 2d | $135 | $260 |
| Cobra Convertible 2d | $143 | $275 |
| Dark Horse | $164 | $321 |
| Cobra Svt Convertible 2d | $169 | $324 |
| Cobra Coupe 2d | $178 | $343 |
| Cobra Svt Coupe 2d | $209 | $403 |
Average Ford Mustang Insurance Rates by Driver Age and Profile
Age, driving history, and credit can all influence car insurance premium costs even further. Teens and young drivers pay the most, on average, for Ford Mustang insurance. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Ford Mustang insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $8,082 | $11,784 | $13,871 |
| 20 | $6,208 | $9,113 | $10,641 |
| 25 | $3,654 | $5,294 | $6,234 |
| 30 | $2,803 | $4,163 | $4,821 |
| 35 | $2,628 | $3,927 | $4,571 |
| 40 | $2,541 | $3,732 | $4,343 |
| 45 | $2,439 | $3,608 | $4,256 |
| 55 | $2,301 | $3,376 | $3,872 |
| 65 | $2,384 | $3,458 | $4,047 |
| 75 | $2,981 | $4,442 | $5,178 |
Best Ford Mustang Insurance Discounts: How to Lower Your Ford Mustang Insurance Premiums
Want to save as much money as you can on Ford Mustang insurance? Just follow any of these easy tips:
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Ford Mustang insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford Mustang insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Mustang insurance from a trusted carrier near you.
Working with a local independent insurance agent is the best way to get matched to the most affordable Ford Mustang insurance near you. Your agent can also recommend additional ways to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Ford Mustang Insurance Quotes
When it's time to find the most affordable Ford Mustang insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Mustang insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Mustang Insurance
How much does Ford Mustang insurance cost per year?
The average annual cost of full coverage for a Ford Mustang is $2,054 per year, or approximately $171 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Mustang insurance premiums?
If you've filed claims in the past, have poor credit, have been in an accident, or live in a high-theft area, you might experience higher Ford Mustang insurance premiums.
Is the Ford Mustang expensive to insure?
Yes and no. While the Ford Mustang's average monthly insurance rates are higher than for other Ford vehicles and certain other vehicles in its class, they're lower than the average for all cars in general.
What are the best and cheapest carriers for Ford Mustang insurance in 2026?
We found that Erie, Progressive, and USAA are the best and cheapest car insurance companies for model-year 2025 Ford Mustang insurance this year.
Is insurance cheaper for the Ford Mustang than for similar vehicles?
Yes, the Ford Mustang's average monthly insurance rates are cheaper than those for the Scion SRS and the Chevrolet SS. However, the Mustang's average coverage rates are slightly higher than those for other similar vehicles, such as the Chrysler Crossfire and the BMW Z3.
How can I get cheaper Ford Mustang insurance?
Finding cheaper Ford Mustang insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/ford-mustang-insurance/
https://www.thezebra.com/auto-insurance/vehicles/ford/mustang/
https://www.insuranceopedia.com/auto-insurance/ford-mustang-car-insurance