Ford Mustang Mach-E Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Ford Mustang Mach-E are $1,622 a year with full coverage. Comprehensive insurance costs around $406, collision costs $726, and liability is estimated at $354. A liability-only policy costs approximately $406 a year, with high-risk insurance costing $3,506 or more. Teens cost the most to insure at $5,758 a year or more.
Average premium for full coverage: $1,622
Policy rates for type of insurance:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Mustang Mach-E trim levels.
Price Range Variability
For a driver around age 40, Ford Mustang Mach-E insurance rates go from the low end price of $406 for basic liability insurance to a much higher rate of $3,506 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below details estimated Ford Mustang Mach-E insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $909
- Choosing higher $1,000 deductibles can save about $258 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,622
- Selecting more expensive low deductibles for comp and collision coverage will cost an additional $500 annually
- Higher-risk drivers with serious driving violations could pay at least $3,506 or more
- Policy cost that insures a 16-year-old driver with full coverage can be $5,758 each year
Car insurance rates for a Ford Mustang Mach-E also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance ranges from 45% to 131% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,700 a year. View Rates by Age
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 $1,170 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,190 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,464 | -$158 | -9.7% |
| Alaska | $1,242 | -$380 | -23.4% |
| Arizona | $1,344 | -$278 | -17.1% |
| Arkansas | $1,622 | -$0 | 0.0% |
| California | $1,848 | $226 | 13.9% |
| Colorado | $1,546 | -$76 | -4.7% |
| Connecticut | $1,664 | $42 | 2.6% |
| Delaware | $1,832 | $210 | 12.9% |
| Florida | $2,024 | $402 | 24.8% |
| Georgia | $1,496 | -$126 | -7.8% |
| Hawaii | $1,164 | -$458 | -28.2% |
| Idaho | $1,098 | -$524 | -32.3% |
| Illinois | $1,208 | -$414 | -25.5% |
| Indiana | $1,222 | -$400 | -24.7% |
| Iowa | $1,092 | -$530 | -32.7% |
| Kansas | $1,538 | -$84 | -5.2% |
| Kentucky | $2,208 | $586 | 36.1% |
| Louisiana | $2,400 | $778 | 48.0% |
| Maine | $1,000 | -$622 | -38.3% |
| Maryland | $1,338 | -$284 | -17.5% |
| Massachusetts | $1,292 | -$330 | -20.3% |
| Michigan | $2,814 | $1,192 | 73.5% |
| Minnesota | $1,358 | -$264 | -16.3% |
| Mississippi | $1,942 | $320 | 19.7% |
| Missouri | $1,438 | -$184 | -11.3% |
| Montana | $1,740 | $118 | 7.3% |
| Nebraska | $1,276 | -$346 | -21.3% |
| Nevada | $1,944 | $322 | 19.9% |
| New Hampshire | $1,168 | -$454 | -28.0% |
| New Jersey | $1,812 | $190 | 11.7% |
| New Mexico | $1,434 | -$188 | -11.6% |
| New York | $1,704 | $82 | 5.1% |
| North Carolina | $934 | -$688 | -42.4% |
| North Dakota | $1,328 | -$294 | -18.1% |
| Ohio | $1,118 | -$504 | -31.1% |
| Oklahoma | $1,662 | $40 | 2.5% |
| Oregon | $1,486 | -$136 | -8.4% |
| Pennsylvania | $1,544 | -$78 | -4.8% |
| Rhode Island | $2,160 | $538 | 33.2% |
| South Carolina | $1,468 | -$154 | -9.5% |
| South Dakota | $1,366 | -$256 | -15.8% |
| Tennessee | $1,418 | -$204 | -12.6% |
| Texas | $1,952 | $330 | 20.3% |
| Utah | $1,200 | -$422 | -26.0% |
| Vermont | $1,106 | -$516 | -31.8% |
| Virginia | $970 | -$652 | -40.2% |
| Washington | $1,250 | -$372 | -22.9% |
| West Virginia | $1,486 | -$136 | -8.4% |
| Wisconsin | $1,118 | -$504 | -31.1% |
| Wyoming | $1,440 | -$182 | -11.2% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $760 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Mustang Mach-E | $438 | $750 | $332 | $1,656 |
| 2023 Ford Mustang Mach-E | $420 | $744 | $338 | $1,638 |
| 2022 Ford Mustang Mach-E | $406 | $726 | $354 | $1,622 |
| 2021 Ford Mustang Mach-E | $392 | $696 | $364 | $1,588 |
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 the Right Ford Mustang Mach-E Insurance
Finding cheaper rates on insurance for a Ford Mustang Mach-E takes being a low-risk driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates every couple of years by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a quick rundown of the material that was covered above.
- Insureds who may need more liability coverage will pay approximately $390 every year to raise limits from a 30/60 limit to the 250/500 level
- Teen drivers are the costliest to insure, as much as $480 each month if full coverage is purchased
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,880 more every year to insure their Mustang Mach-E
- Increasing comprehensive and collision deductibles can save approximately $750 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,758 |
| 20 | $3,722 |
| 30 | $1,712 |
| 40 | $1,622 |
| 50 | $1,478 |
| 60 | $1,450 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,122 |
| $250 | $1,888 |
| $500 | $1,622 |
| $1,000 | $1,364 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,622 |
| 50/100 | $1,693 |
| 100/300 | $1,781 |
| 250/500 | $2,011 |
| 100 CSL | $1,728 |
| 300 CSL | $1,923 |
| 500 CSL | $2,065 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,282 |
| 20 | $5,922 |
| 30 | $3,606 |
| 40 | $3,506 |
| 50 | $3,336 |
| 60 | $3,308 |
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 | $89 |
| Multi-vehicle | $83 |
| Homeowner | $22 |
| 5-yr Accident Free | $128 |
| 5-yr Claim Free | $107 |
| Paid in Full/EFT | $81 |
| Advance Quote | $84 |
| Online Quote | $119 |
| Total Discounts | $713 |
Discounts are estimated and may not be available from every company or in every state.
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