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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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The average cost to insure a Ford Mustang is $181 per month, which is slightly higher than the national average for all vehicles.
USAA offers the cheapest rates for Mustang owners, with an average monthly premium of $101.
The Mustang’s sports car status makes it more likely to be involved in a fatal accident, which drives up insurance costs.
On average, Ford Mustang owners pay around $181 per month for car insurance, according to Compare.com data. If you think you’re paying too much to insure your Mustang, comparing car insurance costs is the best way to find affordable premiums.
The table below shows how liability-only and full-coverage premiums for a Mustang compare to the average across all vehicles, according to our data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Ford Mustang | $117 | $244 | $181 |
| All vehicles | $116 | $216 | $166 |
The more coverage you choose, the higher your premiums will be. Our research found that liability-only coverage for a Ford Mustang has a monthly average of $117, but full coverage costs $244.
But keep in mind that cheap auto insurance rates also depend on factors like your age, driving record, location, and your Mustang’s specific model year and trim level.
Although the average cost of car insurance for a Ford Mustang is more than average, plenty of options are available to help you save on rates. Let’s take a look at which companies offer the most affordable car insurance for Mustangs, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $111 |
| Allstate | $142 |
| American Family | $151 |
| GEICO | $155 |
| CSAA | $170 |
| Nationwide | $184 |
| Progressive | $188 |
| Travelers | $192 |
| Farmers | $217 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re a Mustang owner looking for high-quality customer service and affordable rates, USAA is a great choice. USAA also offers great discounts to help you save even more, including discounts for good driving, bundling, and having a new vehicle and anti-theft devices. But USAA is available only to military members and their families.
Strong financial ratings
Great customer service ratings
Cheap Mustang rates
Only available to military members
Limited in-person agents
No diminishing deductible available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
If you value in-person customer service, State Farm is a great option. Like many sports car owners, Mustang drivers have unique needs, and it can be helpful to have a reliable agent to turn to if you need to submit a claim. State Farm also has some of the cheapest rates available. But the company doesn’t offer accident forgiveness or gap coverage.
Large network of in-person agencies
Available nationwide
Solid claims satisfaction rating
No gap coverage available
Fewer optional coverages
No accident forgiveness
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Mustang owners looking for affordable rates, multiple coverage options, and discount opportunities should consider Allstate. The insurer offers standard coverage options as well as accident forgiveness, rideshare coverage, and even classic car insurance if you own a vintage Mustang.
Allstate also offers discounts for good driving, timely payments, and installing anti-theft devices. But Allstate has fairly low claims and customer satisfaction ratings, according to J.D. Power.
Available in all 50 states
Great coverage options
Superior AM Best financial strength rating
Below-average claims satisfaction rating
1.3 out of 5 stars on Trustpilot
Gap insurance not available
Your car’s age factors into how much you pay for insurance. Newer Mustangs typically have a higher value, making them more expensive to insure than older models. For a shiny new ride, insurance companies might have to shell out more cash after an accident or if someone steals your car.
We put together the table below to break down the average monthly insurance premiums for Mustangs by model year. We’ve also included the cheapest insurance company for each model year and its average monthly rates.
Mustang Model Year | Average Monthly Premium |
|---|---|
| 2026 | $217 |
| 2025 | $219 |
| 2024 | $219 |
| 2023 | $218 |
| 2022 | $218 |
| 2021 | $211 |
| 2020 | $201 |
| 2019 | $197 |
| 2018 | $190 |
| 2017 | $186 |
| 2016 | $181 |
| 2015 | $177 |
| 2014 | $174 |
| 2013 | $165 |
| 2012 | $161 |
| 2011 | $157 |
| 2010 | $154 |
| 2009 | $148 |
| 2008 | $147 |
| 2007 | $144 |
| 2006 | $143 |
| 2005 | $139 |
| 2004 | $136 |
| 2003 | $134 |
| 2002 | $135 |
| 2001 | $135 |
| 2000 | $133 |
Company | Average Monthly Premium |
|---|---|
| USAA | $121 |
| State Farm | $133 |
| Allstate | $170 |
| American Family | $181 |
| GEICO | $186 |
| CSAA | $204 |
| Nationwide | $221 |
| Progressive | $225 |
| Travelers | $230 |
| Farmers | $260 |
| Liberty Mutual | $311 |
| Amica | $585 |
Company | Average Monthly Premium |
|---|---|
| USAA | $122 |
| State Farm | $134 |
| Allstate | $172 |
| American Family | $182 |
| GEICO | $187 |
| CSAA | $205 |
| Nationwide | $222 |
| Progressive | $227 |
| Travelers | $232 |
| Farmers | $262 |
| Liberty Mutual | $313 |
| Amica | $590 |
Company | Average Monthly Premium |
|---|---|
| USAA | $122 |
| State Farm | $134 |
| Allstate | $172 |
| American Family | $182 |
| GEICO | $187 |
| CSAA | $205 |
| Nationwide | $222 |
| Progressive | $227 |
| Travelers | $232 |
| Farmers | $262 |
| Liberty Mutual | $313 |
| Amica | $590 |
Company | Average Monthly Premium |
|---|---|
| USAA | $122 |
| State Farm | $134 |
| Allstate | $171 |
| American Family | $182 |
| GEICO | $187 |
| CSAA | $205 |
| Nationwide | $221 |
| Progressive | $226 |
| Travelers | $231 |
| Farmers | $261 |
| Liberty Mutual | $312 |
| Amica | $587 |
Company | Average Monthly Premium |
|---|---|
| USAA | $122 |
| State Farm | $134 |
| Allstate | $171 |
| American Family | $182 |
| GEICO | $187 |
| CSAA | $205 |
| Nationwide | $221 |
| Progressive | $226 |
| Travelers | $231 |
| Farmers | $261 |
| Liberty Mutual | $312 |
| Amica | $587 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $129 |
| Allstate | $165 |
| American Family | $176 |
| GEICO | $180 |
| CSAA | $198 |
| Nationwide | $214 |
| Progressive | $219 |
| Travelers | $223 |
| Farmers | $253 |
| Liberty Mutual | $301 |
| Amica | $568 |
Company | Average Monthly Premium |
|---|---|
| USAA | $112 |
| State Farm | $123 |
| Allstate | $158 |
| American Family | $168 |
| GEICO | $172 |
| CSAA | $189 |
| Nationwide | $204 |
| Progressive | $209 |
| Travelers | $213 |
| Farmers | $241 |
| Liberty Mutual | $288 |
| Amica | $542 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $121 |
| Allstate | $154 |
| American Family | $164 |
| GEICO | $169 |
| CSAA | $185 |
| Nationwide | $200 |
| Progressive | $205 |
| Travelers | $209 |
| Farmers | $236 |
| Liberty Mutual | $282 |
| Amica | $531 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $116 |
| Allstate | $149 |
| American Family | $158 |
| GEICO | $162 |
| CSAA | $178 |
| Nationwide | $193 |
| Progressive | $197 |
| Travelers | $201 |
| Farmers | $227 |
| Liberty Mutual | $271 |
| Amica | $511 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $114 |
| Allstate | $146 |
| American Family | $155 |
| GEICO | $160 |
| CSAA | $175 |
| Nationwide | $189 |
| Progressive | $194 |
| Travelers | $198 |
| Farmers | $223 |
| Liberty Mutual | $267 |
| Amica | $503 |
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $111 |
| Allstate | $142 |
| American Family | $151 |
| GEICO | $155 |
| CSAA | $170 |
| Nationwide | $184 |
| Progressive | $188 |
| Travelers | $192 |
| Farmers | $217 |
| Liberty Mutual | $259 |
| Amica | $487 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $108 |
| Allstate | $139 |
| American Family | $147 |
| GEICO | $151 |
| CSAA | $166 |
| Nationwide | $180 |
| Progressive | $184 |
| Travelers | $187 |
| Farmers | $212 |
| Liberty Mutual | $253 |
| Amica | $476 |
Where you keep your Mustang can have a big effect on your insurance costs. Different states have different insurance requirements, traffic patterns, and even theft rates — all factors that influence how much you pay to protect your car.
To give you a better idea of what you might pay, take a look at the map below to see the average monthly insurance premium for Mustangs across the country.
State | Average Monthly Premium |
|---|---|
| Alabama | $149 |
| Arizona | $159 |
| Arkansas | $172 |
| California | $194 |
| Colorado | $194 |
| Connecticut | $270 |
| Delaware | $226 |
| Florida | $211 |
| Georgia | $241 |
| Hawaii | $119 |
| Idaho | $99 |
| Illinois | $150 |
| Indiana | $123 |
| Iowa | $102 |
| Kansas | $140 |
| Kentucky | $187 |
| Louisiana | $203 |
| Maine | $132 |
| Maryland | $287 |
| Massachusetts | $143 |
| Michigan | $218 |
| Minnesota | $165 |
| Mississippi | $143 |
| Missouri | $172 |
| Montana | $141 |
| Nebraska | $136 |
| Nevada | $240 |
| New Hampshire | $83 |
| New Jersey | $255 |
| New Mexico | $137 |
| New York | $208 |
| North Carolina | $84 |
| North Dakota | $111 |
| Ohio | $117 |
| Oklahoma | $162 |
| Oregon | $144 |
| Pennsylvania | $153 |
| Rhode Island | $208 |
| South Carolina | $232 |
| South Dakota | $131 |
| Tennessee | $135 |
| Texas | $207 |
| Utah | $142 |
| Vermont | $136 |
| Virginia | $169 |
| Washington | $161 |
| Washington D.C. | $298 |
| West Virginia | $140 |
| Wisconsin | $115 |
| Wyoming | $107 |
State | Average Monthly Premium |
|---|---|
| California | $194 |
Besides your state and ZIP code, insurers also consider your age when calculating your premiums. Let’s take a closer look at exactly how your age affects car insurance premiums for Ford Mustangs.
Your age is one of the first things insurance companies look at when setting car insurance prices. Young drivers, especially people younger than 25, usually end up paying a lot more because of higher accident rates. Although teens make up just 3.6% of licensed drivers, they’re involved in 9.1% of crashes, according to the National Safety Council (NSC).
Our research uncovered the average monthly Ford Mustang auto insurance rates by age group, shown in the table below. It also lists the cheapest insurer for each age group and its average monthly premium.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $348 |
| Adults | $181 |
| Seniors | $156 |
Insurance rates for young Ford Mustang drivers tend to be high because drivers younger than 25 are statistically involved in more crashes than older age groups.[1] Driving a sports car like the Mustang can increase that risk in the eyes of insurers.[2]
Even so, pricing varies dramatically from one company to another, so it’s still possible to find affordable rates. The insurers below offer the lowest average rates for Mustang drivers younger than 25, according to Compare.com data.
Drivers older than 55 typically benefit from years of experience and safer driving habits. National crash data shows that older drivers have fewer severe crashes than middle-aged and younger drivers. This often leads to lower premiums for senior Ford Mustang owners.[3]
Several insurers also offer senior driver discounts, although rates still differ by company.[4] The insurers in the chart below generally provide the most competitive Mustang pricing for seniors, according to Compare.com data:
Your driving history has a meaningful effect on Mustang insurance costs. Speeding tickets, at-fault crashes, and driving under the influence (DUI) convictions all signal higher risk to insurers, which can raise your premiums for many years. A speeding ticket alone can hike your rate by an average of 34%, while a DUI can cause it to rise by 68%.
Below is a breakdown of how common types of violations affect the average monthly cost of Ford Mustang coverage, based on our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $181 |
| Speeding ticket | $243 |
| At-fault accident | $259 |
| DUI | $304 |
Speeding remains one of the leading contributors to fatal crashes nationwide. In fact, it was a factor in 29% of traffic deaths in 2023.[5] Because of this, insurers treat these violations as red flags. The degree of the rate increase varies, though, because companies evaluate speeding differently, so it’s still possible to save.
If you have a ticket on your record, comparing quotes is key. Our data shows these insurers typically offer the most competitive rates for Mustang drivers with a speeding violation:
An at-fault crash usually triggers a noticeable rate increase because it signals to your insurance company that you may get into an accident again. Most companies raise rates for about three years after an accident.[6]
Still, some insurers are more forgiving than others. Shopping around can soften the effect. The companies below provide the lowest average rates for Mustang drivers with an at-fault accident, according to our data.
A DUI is one of the most high risk violations, and many insurers charge high rates or decline coverage entirely as a result. In fact, drivers with a DUI may need to look to insurers that specialize in higher-risk policies.[7] Even though you may see higher rates, you still have ways to save.
Check out the companies in the chart below for the cheapest Ford Mustang premiums for drivers with a DUI, according to our research.
Several Mustang-specific characteristics influence how insurers set premiums. Key factors include:
Vehicle value and repair costs: The 2026 Ford Mustang’s pricing starts at $32,320 for the base model, but it can climb to over $60,000 for performance trims. Higher-horsepower models and specialty parts can increase repair costs, potentially driving up rates.
Performance classification: Because the Mustang is a sporty vehicle with high horsepower, insurers classify it as a higher-risk vehicle than a typical sedan, which drives up insurance costs.[8]
Safety features: Modern Mustang models offer driver-assist technologies and solid crash-test scores, which can help decrease premiums.
Theft risk: Thieves target high-value vehicles because their parts and resale value and desirable, though theft patterns vary by region.
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To help you save some cash on your Ford Mustang’s insurance, here are five insider tips to help you score a better deal:
Go with a less powerful model. High-performance models are exciting but often come with higher car insurance costs. A lower trim level — especially one with Ford’s 2.3L EcoBoost engine — can save you quite a bit on your car insurance premiums.
Invest in safety features. Equip your Mustang with the optional security package to add wheel locks, interior and exterior motion sensors, and a center locking console. These could save you a few bucks on your car insurance each month.
Choose your mods wisely. Customizing your Mustang with performance upgrades is tempting, but some modifications can increase your insurance rates.
Maintain a clean driving record. Car insurance companies can offer accident forgiveness, but it’s best to avoid accidents and speeding tickets if you want the best premiums.
Compare car insurance quotes. Don’t settle for the first Mustang insurance deal you find. Shop multiple insurers at least once yearly to see if you can save on premiums.
If you still have questions about insuring your Ford Mustang, check out the answers to a few of the most commonly asked questions below.
Yes, a Ford Mustang is more expensive to insure than other car models. The average Mustang costs $181 per month to insure, according to Compare.com data. Sports cars like the Mustang can have higher horsepower and pricier repair costs, which makes them a higher risk for insurance companies.
USAA is the cheapest company for Mustangs, with an average rate of $101 per month, according to Compare.com data.
On average, it costs $181 per month to insure a 2025 Ford Mustang, based on our research.
The Ford Ranger is the cheapest Ford to insure, with an average car insurance premium of $128 per month, according to our data.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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