2015 Ford Mustang Insurance Rates
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UPDATED: Mar 9, 2020
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Average insurance rates for a 2015 Ford Mustang are $1,534 a year with full coverage. Comprehensive insurance costs on average $270, collision costs $574, and liability costs around $510. Buying a liability-only policy costs as low as $568 a year, with high-risk insurance costing $3,350 or more. Teenage drivers receive the highest rates at $5,906 a year or more.
Annual premium for full coverage: $1,534
Rate estimates for 2015 Ford Mustang Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 middle-aged driver, prices range go from as low as $568 for a discount liability-only rate to a much higher rate of $3,350 for a high risk driver.
These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using average rates.
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 2015 Ford Mustang Insurance
Searching for lower auto insurance rates for your Ford Mustang? Are you a victim of high-priced auto insurance? Believe me, many consumers feel financially strained by their auto insurance policy.
Having so many choices of insurance companies, it is very difficult to find the lowest price car insurance company.
It’s a good idea to check auto insurance prices at least once a year because insurance rates change regularly. Just because you had the lowest rates for Mustang coverage six months ago the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance on the web, but we’re going to give you a lot of great tips on how to quit paying high auto insurance rates.
Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Nevertheless, vehicle owners do need to learn how companies price online insurance and apply this information to your search.
The best way to get rate comparisons utilizes the fact most insurance companies participate in online systems to provide you with a free rate quote. All consumers are required to do is provide information such as your credit rating estimate, how you use your vehicles, what you do for a living, and if you’re married. Your insurance information is then submitted to many different companies and you will get price comparisons quickly.
To compare multiple company rates now, click here and find out if lower rates are available.
Take discounts and save
Companies offering auto insurance don’t list all their discounts very well, so we researched some of the more common and the harder-to-find discounts you could be receiving.
- Resident Student – Children who are attending college without a vehicle on campus may be able to be covered for less.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
- Homeowners Discount – Being a homeowner can help you save on car insurance because maintaining a house shows financial diligence.
- Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It can save you around 10%.
Drivers should understand that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.
To see a list of insurance companies with the best car insurance discounts, click this link.
Which policy gives me the best coverage?
When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.
- Am I covered when driving on a suspended license?
- Do I need motorclub coverage?
- I don’t drive much so do I pay less?
- Does liability extend to a camper or trailer?
- Should I sign the liability waiver when renting a car?
- Am I covered if hit by an uninsured driver?
- Do I need roadside assistance coverage?
- How many claims can I have before being canceled?
- How can I find cheaper teen driver insurance?
- What is the minimum liability in my state?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
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Parts of your auto insurance policy
Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Mustang.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, hitting a deer, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for bills for surgery, pain medications, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to 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
Liability auto insurance
Liability insurance provides protection from damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees, emergency aid and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
This covers damage to your Mustang resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as crashing into a ditch, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Saving money makes a lot of cents
When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. Too many times, an accident victim reduced full coverage only to regret that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price while still protecting your assets.
Cheap 2015 Ford Mustang insurance is definitely available from both online companies in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
- Comprehensive Coverage (Liberty Mutual)
- Credit and Insurance Scores (Insurance Information Insitute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Driving in Bad Weather (Insurance Information Insitute)
- Distracted Driving Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,421|
|Los Angeles, CA||$2,622|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$113|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$69|
Discounts are estimated and may not be available from every company or in every state.