Ford Mustang Mach-E Car Insurance: How Much Should You Expect to Pay?

Electric cars tend to cost more to insure than traditional vehicles, but you can still find ways to save. Find the cheapest rates for your Mustang Mach-E with’s industry-leading price comparison tool.

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Updated May 25, 2022

The Ford Mustang Mach-E is a battery-electric compact crossover SUV that combines impressive performance with an all-electric, zero-emissions powertrain. Fun to drive with impressive range, the car is a hit with driving enthusiasts and families alike eager to break into the electric vehicle scene. The car is the automaker’s effort to carry forth its Mustang pony car heritage to a new generation of drivers who want to embrace speed without fossil fuels.

With a starting MSRP of $43,895, the Mustang Mach-E is a reasonable entry into the electric vehicle market. But how much is auto insurance should you decide to buy the Mustang Mach-E? To find out, let’s explore the vehicle in more detail and outline Mustang Mach-E insurance costs.

How Much is Car Insurance for a Ford Mustang Mach-E?

Vehicle Liability Only Full Coverage
Ford Mustang Mach-E $73 $177
All Ford Models $78 $162
All SUVs $81 $152
Average Insurance Premium $81 $169

Based on the table above, Ford Mustang Mach-E insurance prices are right about average compared to other vehicles on the road. On average, Mustang Mach-E drivers will pay around $177 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $73 a month for liability only insurance (our guide, “State Minimum vs. Full Coverage”, can give you more information on these different types of insurance).

Compared to other models, the Mustang Mach-E is slightly more expensive, with premiums more than 5% higher than other vehicles in Ford’s lineup. Compared to SUV offerings from other brands, auto insurance for a Mustang Mach-E runs close to average, with full coverage insurance rates coming in at 16% higher than other SUVs and liability insurance costs at 10% cheaper.

When compared to all vehicles, regardless of model, make, or body style, the Mustang Mach-E follows a similar pattern of having average insurance prices.

Who has the Cheapest Car Insurance for a Ford Mustang Mach-E?

Insurance Company Average Monthly Premium
Gainsco $27
Aspire $33
Kemper $44
Sun Coast $46
Jupiter $57

Looking for an auto insurance policy for your Ford Mustang Mach-E? You’re probably most interested in which carrier offers the cheapest rates. Even though there will never be one company that offers the lowest rates for everyone, the lowest average rates for liability-only insurance are sometimes just $27 a month from Gainsco. The runner-up for cheapest rates is Aspire, with car insurance policies starting as cheap as just $33 per month.

Kemper, Sun Coast, and Jupiter round out the end of the top 5 list. But just because these five companies offer the lowest average rates doesn’t necessarily mean they’ll be the cheapest for you.

After all, auto insurance carriers look at a whole range of variables when calculating rates, so your results might be different. By getting quotes from various insurance companies at once, you can rest easy knowing you’re finding the most affordable rate.

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How Do Ford Mustang Mach-Es Compare to Other Vehicles?

If you’re considering buying a new SUV and a Ford Mustang Mach-E is on your shortlist, you might wonder how it compares to other cars. Auto insurance is just one cost that’s associated with a new car purchase, but it’s guaranteed to be worth taking into consideration.

Review the table below to see how the Ford Mustang Mach-E stacks up:

Ford Mustang Mach-E National Average
Liability Insurance $73 $81
Full Coverage Insurance $177 $169
Base MSRP $43,895 $46,228
Average Annual Mileage 9,631 11,681

As you can see, the Ford Mustang Mach-E is pretty much in line with the average vehicle price in the U.S. The Mustang Mach-E comes in at $43,895, close to the national average vehicle MSRP of $46,228.

Full coverage insurance for a Ford Mustang Mach-E is about $8 more expensive than average per month, while liability-only coverage is $8 cheaper.

When it comes to usage, Ford Mustang Mach-E drivers are far from the national average in annual miles driven, with 9,631 miles every year compared to 11,681 for all vehicles.

About the Ford Mustang Mach-E

The Ford Mustang Mach-E all-electric SUV is available in four trim variants, with an ascending level of features in each progressive trim. No matter which trim level of the Mach-E you choose, each comes with Ford’s Phone As A Key technology and a front trunk.

Critics have praised the Mustang Mach-E’s exterior styling, athleticism, and quick acceleration, particularly on the highway. In addition, the car’s luxury-styled cabin is a staple across each trim level, offering ample headroom and comfortable seating for up to five passengers.

The following chart illustrates the price of each Ford Mustang Mach-E trim level and the miles of range it can cover with a full battery.

Ford Mustang Mach-E Trim Level MSRP Miles of Range
Select $43,895 247
Premium $48,775 303
California Route 1 $52,450 314
GT Performance Edition $61,995 270

4 Factors That Impact Ford Mustang Mach-E Insurance Costs

Before you get a car insurance quote for a Ford Mustang Mach-E, keep in mind that four factors go into how your rate is determined:

  1. Where you live: More specifically, where you park your vehicle each evening. Vehicles kept on city streets — prone to theft and damage by other vehicles — are usually costlier to insure than those stored in locked garages in the suburbs.
  2. Model of the vehicle you choose: Choosing the high-end trim level of the Mach-E will be pricier to insure than the base model.
  3. Personal info and histories: Details like your age, gender, and marital status are used to gauge your insurance costs. Insurance companies also use your driving record and credit history to evaluate your premium.
  4. Type of insurance coverage you choose: The more expansive the insurance coverage you choose, the higher your car insurance costs. Full coverage, including liability, collision, and comprehensive coverage, will be more expensive than a bare-bones package.

How to Lower Mustang Mach-E Insurance Costs

There are discounts drivers can use to reduce the cost of insurance for their Ford Mustang Mach-E, regardless of which insurance carrier they choose. They include:

  • Vehicle safety discounts: for choosing a vehicle with safety features like airbags and anti-lock brakes — which all trim levels of the Mach-E have
  • Defensive driving discounts: for taking a course in defensive driving at a certified school or institution
  • Multi-policy discounts: for combining your home or renters and auto insurance policies with the same carrier
  • Pay-in-full discounts: for choosing to pay the entire annual cost of your policy upfront rather than in 12 monthly payments

Depending on which insurance carrier you choose, you may be eligible for additional premium benefits if you are a military veteran, plan to use your new vehicle for commercial purposes, or have numerous drivers from your family on one policy.

One last thing to keep in mind if you’re considering a 2022 Ford Mustang Mach-E: Inventory is scarce. As of this writing — due to the car’s popularity, pandemic-related production delays, and supply chain disruptions — the 2022 Ford Mustang Mach-E is no longer available for retail sale or online ordering. A limited inventory may be available at selected dealerships nationwide, so contact the dealership before heading out for a test drive.

Choosing a Car Insurance Provider

The cost of car insurance premiums can vary depending on which auto insurance provider you choose. The car insurance package that works best for you and your Ford Mustang Mach-E doesn’t necessarily have to be the most expensive. Don’t purchase an insurance policy that’s more robust than you need.

Do you have an accident-free driving record? Safe drivers benefit from getting insurance quotes from a few providers to get the best rate possible. Remember, your business is a privilege, so let a few different companies barter for your business to make sure you get the best auto insurance rates.

View  the Cheapest Mach-E Insurance Rates

Are Ford Mustang Mach-E Insurance Costs Worth It?

While you can get a general idea of what your Ford Mustang Mach-E will cost to insure, the exact cost will vary from driver to driver. And while insurance premiums for new electric cars like the Mustang Mach-E tend to be higher than national averages, choosing an all-electric vehicle can also help you save money in other ways.

The purchase of a 2022 Mustang Mach-E may be eligible for tax credits that can drastically reduce the vehicle’s initial cost. Also, keep in mind that electric vehicles cost less to maintain across their lifespan than gas-powered vehicles. And, of course, don’t forget all the savings you’ll get from avoiding the gas pump!

Do you want to reduce your car insurance rates? Improve your credit score, consider buying a less expensive, pre-owned vehicle, or shop around for the cheapest coverage you need most.

View the Cheapest Rates for Your Mustang Mach-E

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