Ford Mustang Mach-E Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Ford Mustang Mach-E are $1,588 a year including full coverage. Comprehensive costs approximately $392, collision insurance costs $696, and liability insurance costs around $364. Buying just liability costs as low as $416 a year, and insurance for high-risk drivers costs around $3,434. 16-year-old drivers cost the most to insure at up to $5,670 a year.
Average premium for full coverage: $1,588
Policy rates by type of insurance:
Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Mustang Mach-E models.
Price Range Variability
Using a middle-aged driver as an example, Ford Mustang Mach-E insurance rates range from the low end price of $416 for a discount liability-only rate to the much higher price of $3,434 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.
The examples above highlight why everyone should compare prices using their specific location, 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.
Rates by State, City, and Model
The chart below breaks down average Ford Mustang Mach-E insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $893
- Using higher $1,000 deductibles will save $246 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,588
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $2,066
- Drivers with multiple tickets or accidents could pay around $3,434
- Policy cost that insures a teen driver for full coverage can cost $5,670 or more
Insurance rates for a Ford Mustang Mach-E also range considerably based on the model of your Mustang Mach-E, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,900 to $2,500 extra every year, depending on your age. Ford Mustang Mach-E insurance for high-risk drivers can be anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,600 a year. View Rates by Age
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 $1,220 a year in states like Vermont, New Hampshire, and Missouri, or at least $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% |
Opting for high physical damage deductibles could cut rates by as much as $730 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit
| 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 Find Cheaper Ford Mustang Mach-E Insurance
Finding cheaper rates on Ford Mustang Mach-E insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop at least every other year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
Below is a condensed summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers with multiple at-fault accidents will likely pay on average $1,850 more per year for auto insurance
- You may be able to save around $200 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $725 each year
- Drivers who purchase higher levels of liability will pay around $400 per year to increase from a 30/60 limit to the 250/500 level
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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