Ford Mustang Insurance Cost in Connecticut
Insuring a Ford Mustang in Connecticut costs about $1,950 a year ($162/month) for full coverage by our estimate — +5% versus the same car nationally — the 14th most expensive of 51 states for this model.
Ford Mustang insurance in Connecticut at a glance
The Ford Mustang is 16% more expensive than the average vehicle to insure in Connecticut, reflecting HLDI collision losses of 184 and comprehensive losses of 115 (100 = average). Connecticut's own base rates are 9% higher than the national average, which carries through to every model.
Connecticut factors that affect Mustang premiums
- Uninsured drivers: 11.8% of Connecticut drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Mustang.
- Theft: 171 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Connecticut's expected annual losses as very low for hail, relatively low for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.00 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Ford Mustang insurance cost in Connecticut cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Bridgeport | $2,270 | $765 | +16% |
| Stamford | $2,120 | $710 | +9% |
| New Haven | $2,065 | $695 | +6% |
| Hartford | $2,090 | $700 | +7% |
| Waterbury | $2,120 | $715 | +9% |
| Norwalk | $2,105 | $705 | +8% |
| Danbury | $2,080 | $700 | +7% |
| New Britain | $2,035 | $685 | +4% |
Ford Mustang insurance in Connecticut by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,800 | $2,610 | $5,360 | $447 |
| Young adult (22) | $1,050 | $1,520 | $3,120 | $260 |
| Adult in their 30s | $655 | $950 | $1,950 | $163 |
| Adult in their 50s | $605 | $875 | $1,795 | $150 |
| Senior (72) | $735 | $1,065 | $2,185 | $182 |
| 30s, one at-fault accident | $950 | $1,375 | $2,825 | $235 |
| 30s, DUI on record | $1,210 | $1,755 | $3,605 | $300 |
Coverage levels
| 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. | $655 | $55 | $535–$775 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $950 | $79 | $780–$1,120 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,950 | $162 | $1,600–$2,300 |
Connecticut minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Connecticut
| Model | Full coverage in CT | vs. Mustang |
|---|---|---|
| Chevrolet Camaro | $2,495 | +28% |
| Chevrolet Corvette | $1,585 | −19% |
| Toyota GR86 | $2,200 | +13% |
| Subaru BRZ | $1,830 | −6% |
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Frequently asked questions
How much is Ford Mustang insurance in Connecticut?
About $1,950 a year ($162 a month) for full coverage and $655 for Connecticut's minimum liability, for a driver in their 30s with a clean record. That is 5% more than the national estimate for the same car.
Is the Ford Mustang cheaper to insure than the average car in Connecticut?
The average vehicle in Connecticut is about $1,685 a year for full coverage in our model, so the Ford Mustang is 16% more expensive than average.
Where in Connecticut is Ford Mustang insurance cheapest?
Among the largest Connecticut cities, New Britain has the lowest estimate (about $2,035) and Bridgeport the highest (about $2,270).
What insurance do I need for a Ford Mustang in Connecticut?
Connecticut requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Connecticut Insurance Department: Auto Insurance
- Connecticut Insurance Department: File a Complaint or Ask a Question
- Connecticut General Assembly OLR: Increasing the minimum insurance coverage (Public Act summary)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey