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2013 Ford Mustang Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 9, 2020

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Average insurance rates for a 2013 Ford Mustang are $1,432 a year for full coverage insurance. Comprehensive insurance costs on average $248 each year, collision insurance costs $484, and liability insurance costs around $520. Buying a liability-only policy costs as low as $576 a year, and high-risk insurance costs $3,120 or more. Teen drivers receive the highest rates at up to $5,572 a year.

Annual premium for full coverage: $1,432

Rate estimates for 2013 Ford Mustang Insurance

Comprehensive $248
Collision $484
Liability $520

Rate data is compiled from all 50 U.S. states and averaged for all 2013 Ford Mustang models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $576 for only liability insurance to a high rate of $3,120 for high-risk insurance.

Liability Only $576
Full Coverage $1,432
High Risk $3,120

View Chart as Image

2013 Ford Mustang insurance rates compared
Column chart showing 2013 Ford Mustang insurance prices range from $829 to $5,572 for full coverage

These differences illustrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2013 Ford Mustang Insurance

Searching Companies

Looking for lower insurance coverage rates for your Ford Mustang? Feel like you’re a prisoner to high-priced insurance coverage? Trust us, there are many consumers feeling the pinch from expensive insurance coverage. There are many insurance companies to choose from, and even though it’s nice to have a selection, so many choices can make it hard to get the best deal.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will most likely be able to save some money using this information. Consumers only need to know the most efficient way to buy insurance over the internet.

Pieces of the Ford Mustang insurance rate puzzle

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The following are some of the factors used by your company to calculate prices.

  • Don’t sacrifice liability coverage – Liability coverage is the coverage that protects you if you are found to be at fault for damages from an accident. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Keep rates low by being claim-free – Insurance companies award lower rates to policyholders who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Pay less if you’re married – Having a spouse can get you a discount when buying auto insurance. Having a spouse usually means you are more mature and it’s proven that drivers who are married are more cautious.
  • Lower rates come with age – Teenage drivers tend to be careless and easily distracted in a vehicle so auto insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Equipment add-ons that lower auto insurance rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • Better credit means lower rates – A driver’s credit rating is a large factor in your rate calculation. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores. So if your credit rating can use some improvement, you could save money insuring your 2013 Ford Mustang by spending a little time repairing your credit.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Ford Mustang earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Poor driving leads to higher costs – Drivers who don’t get tickets receive lower rates than bad drivers. Even one moving violation can bump up the cost twenty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to continue driving.

Are you getting all your discounts?

Companies that sell car insurance don’t always list every available discount very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit possible, you are paying more than you should be.

  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Mustang insurance with select insurance companies.
  • Low Mileage – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies who might offer these benefits include:

Check with each company what discounts are available to you. Some discounts might not apply in your state.

Misconceptions in insurance coverage advertisements

Drivers constantly see and hear ads that promise big savings by Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you can save if you move to their company.

How can each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the right customer they prefer to insure. An example of a driver they prefer might be profiled as between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who don’t meet this ideal profile will be quoted more money which leads to the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently advertise the savings. This emphasizes why it is so important to get quotes from several different companies. It’s impossible to know which insurance coverage company will have the lowest Ford Mustang insurance rates.

When might I need an agent?

When it comes to buying the best auto insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Am I covered if I crash into my own garage door?
  • Do I need replacement cost coverage?
  • Can I afford low physical damage deductibles?
  • When should I not file a claim?
  • Do I really need UM/UIM coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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What auto insurance coverages do you need?

Learning about specific coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Mustang.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hail damage and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Mustang from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for liability – This will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, bail bonds, pain and suffering, medical expenses and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills like nursing services, prosthetic devices, chiropractic care, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Save your cold hard cash

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented many tips how you can compare 2013 Ford Mustang insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best prices are with the least-expected company. Smaller companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

Additional car insurance information can be read below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Ford Mustang Insurance Rates by City
City Premium
New York City, NY $2,265
Los Angeles, CA $2,448
Philadelphia, PA $1,912
Jacksonville, FL $2,081
Phoenix, AZ $1,666
Chicago, IL $1,922
Houston, TX $2,244
Seattle, WA $1,394
Columbus, OH $1,195
Indianapolis, IN $1,223

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Ford Mustang Insurance Rates by Driver Age
Driver Age Premium
16 $5,572
20 $3,332
30 $1,478
40 $1,432
50 $1,314
60 $1,288

Full coverage, $500 deductibles

Rates by Deductible

2013 Ford Mustang Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,758
$250 $1,606
$500 $1,432
$1,000 $1,268

Full coverage, driver age 40

Rates by Liability Limit

Ford Mustang Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,432
50/100 $1,536
100/300 $1,666
250/500 $2,004
100 CSL $1,588
300 CSL $1,874
500 CSL $2,082

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Ford Mustang Insurance Rates for High Risk Drivers
Age Premium
16 $7,926
20 $5,316
30 $3,172
40 $3,120
50 $2,984
60 $2,958

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.

SR-22 Surcharge $203

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $78
Homeowner $23
5-yr Accident Free $102
5-yr Claim Free $93
Paid in Full/EFT $62
Advance Quote $70
Online Quote $100
Total Discounts $603
Rate after discounts $829

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2013 Ford Mustang Insurance Rates by State
State Premium
Alabama $1,294
Alaska $1,098
Arizona $1,190
Arkansas $1,432
California $1,632
Colorado $1,366
Connecticut $1,472
Delaware $1,622
Florida $1,794
Georgia $1,324
Hawaii $1,028
Idaho $970
Illinois $1,068
Indiana $1,082
Iowa $968
Kansas $1,360
Kentucky $1,954
Louisiana $2,122
Maine $884
Maryland $1,182
Massachusetts $1,144
Michigan $2,486
Minnesota $1,200
Mississippi $1,716
Missouri $1,270
Montana $1,538
Nebraska $1,130
Nevada $1,720
New Hampshire $1,034
New Jersey $1,602
New Mexico $1,268
New York $1,510
North Carolina $826
North Dakota $1,174
Ohio $988
Oklahoma $1,472
Oregon $1,312
Pennsylvania $1,366
Rhode Island $1,912
South Carolina $1,298
South Dakota $1,208
Tennessee $1,252
Texas $1,726
Utah $1,058
Vermont $982
Virginia $858
Washington $1,106
West Virginia $1,312
Wisconsin $992
Wyoming $1,276

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