Ford Mustang Mach-E Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Ford Mustang Mach-E are $1,588 annually including full coverage. Comprehensive costs an estimated $392 a year, collision costs $696, and liability is estimated at $364. Liability-only coverage costs approximately $416 a year, with high-risk coverage costing around $3,434. Teen drivers cost the most to insure at $5,670 a year or more.
Average premium for full coverage: $1,588
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Mustang Mach-E trim levels.
Price Range Variability
For a driver in their 40's, Ford Mustang Mach-E insurance rates go from as cheap as $416 for liability-only coverage to a high of $3,434 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price 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 Charts and Tables
The chart below breaks down estimated Ford Mustang Mach-E insurance rates for other coverage scenarios.
- The lowest rate with discounts is $893
- Choosing higher $1,000 deductibles can save approximately $1,342 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,588
- Choosing low $100 deductibles for comp and collision coverage will cost $2,066
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,434 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,670 each year
Insurance rates for a Ford Mustang Mach-E also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,900 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $730 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit
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 $1,220 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,260 on average in Louisiana, New York, and Michigan.
| 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 best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
| 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 Buy Cheap Ford Mustang Mach-E Insurance
Finding cheaper rates on insurance for a Ford Mustang Mach-E takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a brief summary of the data that was covered in the charts and tables above.
- You may be able to save approximately $200 per year simply by quoting early and online
- Insureds who want additional liability coverage will pay about $400 per year to raise limits from a 30/60 limit to higher 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $473 each month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,850 more annually than a driver with a clean driving record
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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