Ford Mustang Car Insurance Quotes (2025)
Ford Mustang drivers pay an average of $229 per month for full-coverage car insurance.
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One of the bestselling sports cars in the world, the Ford Mustang costs an average of $176 per month to insure. Compared to the 2025 Nissan Z, which has an MSRP of $44,110, the 2025 Ford Mustang starts at a cheaper MSRP of $33,515.
But average Ford Mustang auto insurance rates can vary depending on the insurance company and factors like your age, driving record, accident history, and location. With so many different factors affecting premiums, it’s a good idea to see how Mustang car insurance rates compare across insurance companies.
Cost of Ford Mustang insurance by model year
Ford Mustangs are cheapest to insure through USAA, at $170 per month for a 2024 model with a full-coverage policy. This is similar to the average national full-coverage car insurance premium of $172 per month.
Remember, add-ons like roadside assistance and towing services can further increase Ford Mustang insurance costs. Check out different Ford Mustang insurance costs by model year in the table below.
The 2025 Ford Mustang has a starting MSRP of $33,515. The Mustang Dark Horse trim level starts at a much higher MSRP of $65,975.1
Average monthly quotes for the 2025 Ford Mustang aren’t included below due to insufficient data. In general, the newer your vehicle, the higher your car insurance costs will be.
The MSRP for the 2024 Ford Mustang starts at $33,515, and Kelley Blue Book ranks it No. 4 in its Best Convertibles of 2024 list. Check out average monthly insurance costs for this model year in the table below.
Ford Mustang 2023 models have MSRPs between $30,740 and $58,395.
Used 2022 Ford Mustangs have MSRPs between $30,440 and $80,795.
Depending on model options, 2021 Ford Mustangs have MSRPs between $29,995 and $74,095.
The 2020 Ford Mustang’s prices vary based on trim levels, ranging between $29,460 and $74,095.
Trim levels also significantly affect 2019 Ford Mustang prices, with MSRPs between $29,085 and $69,530.
Prices may vary by ZIP code, but the original MSRP for these sports cars was between $28,270 and $65,545.
This was the final year of the V-6 Coupe, starting at $27,280 MSRP. The MSRP for the most expensive model, the Shelby GT350R Coupe, was $63,245.
In 2016, the money you’d spend on a 2016 Ford Mustang could range from $26,240 to $62,195 MSRP.
Average cost of Ford insurance by state
Where you live, even down to your ZIP code, can affect how much you pay for car insurance.2 In the chart below, you can see the average monthly cost of Ford car insurance across all Ford models by state.
How to ensure you have enough coverage on your Ford Mustang
Every U.S. state except New Hampshire requires drivers to carry a minimum amount of liability coverage that covers property damage and medical bills if you cause an accident.3 But you should consider carrying some additional optional coverages for your Ford Mustang, including:
Ford Mustang car insurance FAQs
Ford Mustang car insurance rates vary based on factors like your age, vehicle safety features, ZIP code, location, discounts, driving record, credit history, and more. Below, you’ll find answers to some of the most commonly asked questions from Ford Mustang owners.
USAA has the cheapest car insurance rates for 2016–2024 Ford Mustangs, followed by GEICO and State Farm. But opting for a full-coverage policy rather than just the state-required liability-only coverage usually leads to higher premium prices. Insurance companies also base Ford Mustang car insurance rates on other factors, like driver profile and driving history.
Yes. Compared to non-sports cars, such as the Honda Civic, Toyota Camry, and Acura Integra, Ford Mustangs tend to be more expensive to insure. The 2025 Civic, Camry, and Integra all earned IIHS Top Safety Pick accolades, while the Ford Mustang didn’t.5 This may be one reason why Ford Mustang insurance is more expensive.
Ford Mustang car insurance rates may be higher for a number of reasons that aren’t related to driver history or profile. Mustang parts may be more expensive than standard car parts, especially for special edition models. A Mustang is also considered a sports car, whereas a Toyota Camry is considered a basic sedan. Sports cars generally cost more to insure than standard cars.
Insurance rates vary depending on many factors, but 16-year-olds and 17-year-olds should expect to pay more than 20-year-old and 30-year-old drivers. Teens, as well as young drivers, typically pay more than older drivers because they have a higher rate of at-fault and fatal accidents.6 People with clean driving records will also likely have lower rates across all age groups.
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