Ford Mustang Insurance Cost
Full coverage for a Ford Mustang costs about $1,865 a year ($155/month) by our estimate — ▲ +17% versus the average vehicle, ranking 224th cheapest of 310 current models.
Ford Mustang insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Ford Mustang.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $565 | $47 | $465–$665 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $820 | $68 | $670–$965 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,865 | $155 | $1,530–$2,200 |
What drives the cost of insuring a Ford Mustang
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ford Mustang's results put our vehicle factor at 0.92× for liability, 1.77× for collision and 1.15× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 184 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 115 | Worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 81 | Better than average | Damage this car does to other vehicles and property |
| Personal injury protection | 104 | Average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (5)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Ford Mustang GT 2dr | 184 | 115 | 81 | — |
| Ford Mustang 2dr | 150 | 102 | 118 | — |
| Ford Mustang Dark Horse 2dr | 156 | 102 | — | — |
| Ford Mustang convertible | 96 | — | — | — |
| Ford Mustang GT convertible | 83 | — | — | — |
- Repair and parts costs: Sports car — performance models see more frequent and costlier crashes.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 18 NHTSA recall campaigns and 102 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Ford Mustang trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Mustang | RWD | 2.3L 4-cyl Turbo | 26 |
| Mustang | RWD | 5.0L 8-cyl | 19 |
| Mustang Dark Horse | RWD | 5.0L 8-cyl | 17 |
| Mustang GTD | RWD | 5.2L 8-cyl Supercharged | 12 |
Ford Mustang insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl Supercharged | RWD | 12–26 | $1,865 |
| 2025 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl Supercharged | RWD | 12–26 | $1,815 |
| 2024 | 2.3L 4-cyl Turbo, 5.0L 8-cyl | RWD | 17–26 | $1,765 |
| 2023 | 2.3L 4-cyl Turbo, 5.0L 8-cyl | RWD | 17–25 | $1,715 |
| 2022 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl Supercharged | RWD | 14–25 | $1,665 |
| 2021 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl Supercharged | RWD | 14–25 | $1,615 |
| 2020 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl | RWD | 14–25 | $1,570 |
| 2019 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl | RWD | 16–25 | $1,520 |
| 2018 | 2.3L 4-cyl Turbo, 5.0L 8-cyl, 5.2L 8-cyl | RWD | 16–25 | $1,470 |
| 2017 | 2.3L 4-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl | RWD | 16–24 | $1,420 |
| 2016 | 2.3L 4-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl | RWD | 16–25 | $1,370 |
| 2015 | 2.3L 4-cyl Turbo, 3.7L 6-cyl, 5.0L 8-cyl | RWD | 18–25 | $1,365 |
| 2014 | 3.7L 6-cyl, 5.0L 8-cyl, 5.8L 8-cyl Supercharged | RWD | 18–23 | $1,365 |
| 2013 | 3.7L 6-cyl, 5.0L 8-cyl, 5.8L 8-cyl Supercharged | RWD | 18–23 | $1,365 |
| 2012 | 3.7L 6-cyl, 5.0L 8-cyl, 5.4L 8-cyl Supercharged | RWD | 18–23 | $1,365 |
| 2011 | 3.7L 6-cyl, 5.0L 8-cyl, 5.4L 8-cyl Supercharged | RWD | 17–23 | $1,365 |
| 2010 | 4.0L 6-cyl, 4.6L 8-cyl, 5.4L 8-cyl Supercharged | RWD | 17–21 | $1,365 |
| 2009 | 4.0L 6-cyl, 4.6L 8-cyl, 5.4L 8-cyl Supercharged | RWD | 16–20 | $1,365 |
| 2008 | 4.0L 6-cyl, 4.6L 8-cyl, 5.4L 8-cyl Supercharged | RWD | 16–20 | $1,365 |
| 2007 | 4.0L 6-cyl, 4.6L 8-cyl, 5.4L 8-cyl Supercharged | RWD | 16–20 | $1,365 |
Ford Mustang insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Mustang page for that state.
Ford Mustang insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,555 | $2,255 | $5,125 | $427 |
| Young adult (22) | $905 | $1,310 | $2,980 | $248 |
| Adult in their 30s | $565 | $820 | $1,865 | $155 |
| Adult in their 50s | $520 | $755 | $1,715 | $143 |
| Senior (72) | $635 | $920 | $2,085 | $174 |
| 30s, one at-fault accident | $820 | $1,190 | $2,700 | $225 |
| 30s, DUI on record | $1,045 | $1,515 | $3,445 | $287 |
Ford Mustang vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Ford Mustang | $1,865 | 184 | 115 | — |
| Chevrolet Camaro | $2,245 | 158 | 227 | Compare |
| Chevrolet Corvette | $1,520 | 127 | 98 | Compare |
| Toyota GR86 | $2,095 | 191 | 116 | Compare |
Estimate Ford Mustang insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other Ford models
- Expedition $1,370/yr
- Explorer $1,400/yr
- Bronco $1,260/yr
- Bronco Sport $1,380/yr
- Escape $1,625/yr
- F-150 $1,580/yr
- Maverick $1,485/yr
- Mustang Mach-E $1,435/yr
- Ranger $1,275/yr
- F-150 Lightning $1,600/yr
- Edge $1,365/yr
- Transit Connect $1,425/yr
- EcoSport $1,340/yr
- GT $1,695/yr
- Transit $1,435/yr
- Fusion $1,355/yr
- Fiesta $1,305/yr
- Flex $1,285/yr
- Taurus $1,340/yr
- C-Max $1,305/yr
- Focus $1,280/yr
- E-Series $1,220/yr
- Crown Victoria $1,260/yr
- Explorer Sport Trac $1,240/yr
- Taurus X $1,190/yr
- Five Hundred $1,260/yr
- Freestar $1,135/yr
- Freestyle $1,190/yr
- Thunderbird $1,445/yr
Frequently asked questions
How much is insurance for a Ford Mustang?
We estimate about $1,865 a year ($155 a month) for full coverage and $565 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 17% more than the average vehicle.
Is the Ford Mustang expensive to insure?
HLDI insurance-loss data rates it at 184 for collision and 115 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Ford Mustang?
Maine has the lowest estimate (about $1,220 a year for full coverage) and Louisiana the highest (about $2,535).
What is the Ford Mustang's NHTSA safety rating?
The 2026 Ford Mustang earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Ford Mustang cheaper to insure than the Chevrolet Camaro?
By our estimate the Ford Mustang costs about $1,865 a year versus $2,410 for the Chevrolet Camaro, making it the cheaper of the two to insure.
How much is Ford Mustang insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $5,125 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database