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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The monthly cost to insure a Mustang Mach-E is $208, roughly 28% higher than the national average of $163 for all vehicles.
USAA offers the cheapest average rates for the Mustang Mach-E, at just $113 per month, followed closely by State Farm, at $125 per month.
While higher EV repair costs and vehicle values drive up premiums, the Mustang Mach-E’s standard safety technology can help reduce insurance costs.
When you’re insuring a high-tech EV like the Mustang Mach-E, your premium depends heavily on the type of policy you buy.
A liability-only policy covers the basics, paying for injuries or property damage you cause to others. But it won’t pay to repair your own Mustang if you cause an accident. For that, you’ll want full coverage, which typically includes collision insurance for accidents and comprehensive coverage for non-collision events like theft, fire, or weather-related damage.
Here’s how average monthly costs for the Mustang Mach-E compare to all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Mustang Mach-E | $141 | $274 | $208 |
| All vehicles | $113 | $212 | $163 |
At an average of $141 per month, liability-only coverage for the Mustang Mach-E is about 25% more than the average for all vehicles. Full coverage averages $274 per month, which is about 29% higher than the $212 average that all drivers pay.
But insurers also consider other factors, such as age, driving record, and location, when setting car insurance rates. Let’s take a look at the most affordable companies next.
Comparing quotes can save you up to $867.†
Overall, car insurance rates for electric vehicles are higher than those for gas-powered ones. Rates for your electric Mustang can vary widely depending on the insurer, which is why comparing quotes is crucial.
Check out the table below for the cheapest insurers for the Mustang Mach-E, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $125 |
| Allstate | $160 |
| American Family | $170 |
| GEICO | $175 |
| CSAA | $191 |
| Nationwide | $206 |
| Progressive | $211 |
| Travelers | $215 |
| Farmers | $244 |
| Liberty Mutual | $290 |
| Amica | $548 |
USAA takes the top spot, with an average of just $113 per month — nearly $100 less than the overall average for the Mustang Mach-E. Below, we’ve broken down the three cheapest companies to help you weigh your options.
| 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 qualify for membership, USAA can be a good choice for insuring a Mustang Mach-E. USAA is among the most affordable on our list, and bundling your auto and home policies may also cover your home charging equipment — a valuable perk for EV owners.
USAA also offers numerous discounts, including safe driver, good student, and vehicle storage. You can find specialized coverage options that can further lower your premium.
Cheap Mustang Mach-E premiums
May cover charging equipment
High customer satisfaction ratings[1]
Military-only eligibility
Few local branches
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.
State Farm is an excellent choice, especially if you value face-to-face service. While the insurer may lack some niche EV perks, its Drive Safe & Save program is compatible with connected cars, such as the Mustang Mach-E.
You potentially could earn a significant discount based on your actual driving habits. But it doesn’t offer gap insurance, which is something to consider given how quickly new EVs can depreciate.
Large agent network
Highly rated mobile app
Available nationwide
No gap insurance available
Fewer optional coverages
Rates can be higher for drivers with poor credit
| 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 |
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.
Allstate is a strong contender if you want comprehensive protection. Its new car replacement coverage can be especially valuable for Mustang Mach-E owners.
If your vehicle meets eligibility requirements and you experience a total loss, Allstate may replace it with the same or a similar model. Bundling your EV auto insurance with an Allstate homeowners policy can also save you up to 25%.
Rideshare coverage available
Accident forgiveness options
Significant discount for bundling EV coverage
Higher-than-average premiums
Mixed customer service ratings
Complex discount rules
The Mustang Mach-E debuted in 2021, so you won’t see a wide variation in premiums across model years. Generally, new vehicles cost more to insure because they’re worth more and cost more to replace if your insurer declares your vehicle a total loss after an accident.
As your Mach-E ages and its value decreases, your premiums will likely decline, giving you modest savings over time. Here’s a look at average monthly premiums by Mustang Mach-E model year, based on our data.
Mustang Mach-E Model Year | Average Monthly Premium |
|---|---|
| 2025 | $251 |
| 2024 | $251 |
| 2023 | $250 |
| 2022 | $250 |
| 2021 | $242 |
Company | Average Monthly Premium |
|---|---|
| USAA | $137 |
| State Farm | $151 |
| Allstate | $193 |
| GEICO | $211 |
| CSAA | $231 |
| American Family | $205 |
| Progressive | $255 |
| Nationwide | $249 |
| Travelers | $260 |
| Farmers | $295 |
| Liberty Mutual | $350 |
| Amica | $662 |
Company | Average Monthly Premium |
|---|---|
| USAA | $137 |
| State Farm | $151 |
| Allstate | $193 |
| GEICO | $211 |
| CSAA | $231 |
| American Family | $205 |
| Progressive | $255 |
| Nationwide | $249 |
| Travelers | $260 |
| Farmers | $295 |
| Liberty Mutual | $350 |
| Amica | $662 |
Company | Average Monthly Premium |
|---|---|
| USAA | $136 |
| State Farm | $150 |
| Allstate | $193 |
| GEICO | $211 |
| CSAA | $230 |
| American Family | $205 |
| Progressive | $254 |
| Nationwide | $248 |
| Travelers | $259 |
| Farmers | $294 |
| Liberty Mutual | $349 |
| Amica | $660 |
Company | Average Monthly Premium |
|---|---|
| USAA | $136 |
| State Farm | $150 |
| Allstate | $193 |
| GEICO | $211 |
| CSAA | $230 |
| American Family | $205 |
| Progressive | $254 |
| Nationwide | $248 |
| Travelers | $259 |
| Farmers | $294 |
| Liberty Mutual | $349 |
| Amica | $660 |
Company | Average Monthly Premium |
|---|---|
| USAA | $131 |
| State Farm | $145 |
| Allstate | $186 |
| GEICO | $204 |
| CSAA | $222 |
| American Family | $198 |
| Progressive | $246 |
| Nationwide | $240 |
| Travelers | $250 |
| Farmers | $284 |
| Liberty Mutual | $337 |
| Amica | $638 |
Compare personalized quotes from dozens of top companies in minutes.
For any vehicle, location plays a role in insurance costs. States set different minimum coverage laws. And local factors, like weather risks, fraud rates, and accident frequency, all influence costs.[2]
For a Mustang Mach-E, there’s the added element of repair costs, since EVs generally cost about 30% more to repair than gas-powered vehicles.[3]
The map below shows average monthly premiums by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $172 |
| Arkansas | $198 |
| Arizona | $183 |
| California | $223 |
| Colorado | $223 |
| Connecticut | $310 |
| Delaware | $260 |
| Florida | $242 |
| Georgia | $277 |
| Hawaii | $137 |
| Iowa | $117 |
| Idaho | $114 |
| Illinois | $172 |
| Indiana | $142 |
| Kansas | $161 |
| Kentucky | $215 |
| Louisiana | $233 |
| Massachusetts | $164 |
| Maryland | $330 |
| Maine | $152 |
| Michigan | $250 |
| Minnesota | $189 |
| Missouri | $198 |
| Mississippi | $164 |
| Montana | $162 |
| North Carolina | $96 |
| North Dakota | $127 |
| Nebraska | $157 |
| New Hampshire | $96 |
| New Jersey | $293 |
| New Mexico | $158 |
| Nevada | $275 |
| New York | $239 |
| Ohio | $134 |
| Oklahoma | $186 |
| Oregon | $166 |
| Pennsylvania | $175 |
| Rhode Island | $239 |
| South Carolina | $266 |
| South Dakota | $150 |
| Tennessee | $155 |
| Texas | $238 |
| Utah | $163 |
| Virginia | $195 |
| Vermont | $156 |
| Washington | $185 |
| Washington D.C. | $342 |
| Wisconsin | $132 |
| West Virginia | $160 |
| Wyoming | $122 |
Your age will affect your Mustang Mach-E insurance premium. Younger drivers face steeper premiums because they’re more likely to be in crashes, while experienced adults and seniors typically see lower rates.
Here’s how average monthly premiums for Mustang Mach-E drivers vary by age group, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $399 |
| Adults | $208 |
| Seniors | $179 |
Drivers aged 16–19 have the highest risk for car accidents.[4] Inexperience, combined with risky driving behaviors like speeding, makes teen drivers more likely to cause an accident that results in a claim. Insurers charge teens more to offset the risk.
The chart below shows rates across insurers for younger Mustang Mach-E drivers, according to our data.
Seniors often enjoy lower insurance rates thanks to their safe driving habits. That’s because many older drivers travel fewer miles, obey speed limits, and avoid risky conditions, which insurers reward with lower rates and even age-based discounts.[5]
Here are the cheapest companies for senior Mustang Mach-E drivers, according to our data.
Your driving history plays a big part in what you pay for Mustang Mach-E insurance. Insurers view drivers with tickets, accidents, or DUIs as higher risks. That’s why companies will charge these drivers higher rates.
A clean driving history can go a long way to keep Mustang Mach-E insurance premiums manageable, while even one accident or violation will cause rates to increase. But some companies specialize in helping drivers with tickets or DUIs find affordable coverage.
The table below shows the insurance premiums that Mustang Mach-E drivers can expect to pay based on their driving record, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $208 |
| Speeding ticket | $279 |
| At-fault accident | $297 |
| DUI | $349 |
Getting caught speeding can significantly increase the cost of Mustang Mach-E insurance. Exceeding the speed limit increases your chances of getting into an accident, and insurers take that seriously.
The chart below shows the average monthly premiums for the most affordable insurers for Mustang Mach-E drivers with speeding tickets, according to our data.
When you cause an accident, insurers often see you as a higher risk. Drivers who cause an accident are more likely to cause another, which is why insurers raise your rates. A single at-fault crash can raise your premium by about 33%, according to our data.
Here’s how Ford Mustang Mach-E insurance rates compare across companies for drivers with an at-fault accident, based on our data.
Driving under the influence (DUI) is a serious offense that substantially increases your risk of an accident. Insurers charge the highest rates to drivers after a DUI conviction. In most states, before you can get your license back, you’ll need an insurance company to file an SR-22 or FR-44 form to prove you have insurance.
Here are the cheapest companies for Mustang Mach-E drivers with DUI convictions, according to our data.
The Mustang Mach-E stands out among EVs for multiple reasons, including its status as an electric version of the classic Mustang. It’s also a relatively affordable EV, with base versions starting with an MSRP of around $40,000.[6]
Several key factors influence how much you’ll pay to insure a Ford Mustang Mach-E, including:
Repair costs: While EVs often have lower scheduled maintenance costs, accident repairs are a different story. Specialized parts and labor mean fixing a Mustang Mach-E after a crash can be more expensive and take longer than fixing a traditional car, which insurers factor into your rate.
Vehicle value: With comparatively low starting prices for base models, the Mustang Mach-E may have a modest replacement cost. But MSRPs rise significantly for higher trims like the GT, which can cost around $60,000.
Vehicle age: The Mustang Mach-E debuted in the Ford lineup in 2021, and older models have depreciated significantly, losing about 57% of their original value after five years.[7] If you have an older Mach-E, replacing it will cost your insurer less, so your premiums will generally be lower than those for a 2026 Mustang Mach-E.
Safety features: Standard safety features like front crash prevention, blind-spot detection, lane-departure warning, and automatic emergency braking can help offset some costs by reducing accident frequency.
Vehicle theft risk: While theft risk has a lot to do with where you live and drive your Mustang Mach-E, the good news is that it’s not generally a primary target for car thieves. In fact, the Insurance Institute for Highway Safety (IIHS) includes the Mach-E on its list of least-stolen vehicles.[8]
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You don’t have to pay premium prices to drive a premium EV. Here are several ways to lower your Mustang Mach-E insurance costs:
Claim your green vehicle discount. Many major insurers offer specific discounts just for driving a hybrid or electric vehicle, which can help lower your premium.
Leverage safety technology. Ensure your insurance company is aware that your Mustang Mach-E comes equipped with safety features, including automatic emergency braking and lane-keeping assist. These reduce accident risk and often qualify you for vehicle safety discounts.
Consider pay-per-mile insurance. If your Mustang Mach-E is a secondary car or you work from home, a usage-based program could save you a significant amount by charging based on how much you drive.
Bundle your policies. Buying your home and auto insurance with the same insurer is one of the best ways to lower your premiums.
Get personalized rates from 100+ top insurers.
If you’re curious about the ins and outs of insuring your Mustang Mach-E, you’re in the right place. Here are answers to some common questions about rates and savings.
Yes, you’ll pay a higher-than-average premium to insure your Mustang Mach-E. For context, the overall average cost of car insurance for all vehicles is $163 per month, while the monthly average for the Mustang Mach-E is $208, according to our data.
Mustang Mach-E drivers will find the cheapest average rates from USAA, at $113 per month, based on our research. But if you don’t qualify for USAA insurance, you can check out State Farm and Allstate. The insurers charge an average of $125 and $160 per month, respectively.
The overall average cost to insure a 2025 Mustang Mach-E is $251 per month, according to our data. Keep in mind that your rates may be higher or lower depending on your unique driver profile.
The Ranger is the most affordable Ford model to insure, with an average monthly cost of $128, according to Compare.com data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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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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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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