Ford Mustang insurance rates

Average insurance cost for your ‘Stang? $210. But you can go even cheaper — see rates from Geico.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Ford Mustang is $209.62 a month — or $2,515.44 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

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How do I compare insurance for the Ford Mustang?

Introduced in 1965, the Ford Mustang is an iconic American muscle car that is currently in its sixth generation. The release of the Mustang spearheaded the “pony car” class of American muscle cars, affordable sports coupes by the likes of the Chevrolet Camaro and Dodge Challenger. Sports cars have different insurance needs than other cars, so it pays to compare the right coverage for your model.

What factors affect car insurance rates for Ford Mustang?

Learn how the Mustang’s characteristics could affect the price you pay for auto insurance.

Does the Ford Mustang qualify for car insurance discounts?

You could save money on car insurance for your Ford Mustang if it comes equipped with these safety features.

Ford Mustang safety and reliability ratings

The 2018 Ford Mustang has a 9.7/10 safety rating, according to U.S. News and J.D. Power. It also holds near-perfect scores in almost all categories from both the IIHS and NHTSA. All of these scores could help you save on auto insurance. U.S. News and J.D. Power give the Mustang a 4/5 star reliability rating, which is above average for vehicles in its class.

Launched in 1965, the Ford Mustang is currently in its sixth generation. The sports car provides a range of strong engines and is known for its comfortable ride, luxurious cabin and good safety scores.

The Ford Mustang was named on the Car and Driver Ten Best list for seven different years. In 2016, there were over 105,000 sales in the United States.

Ford Mustang maintenance

The Mustang is a powerful muscle car designed for speed and performance. It’s generally considered a reliable vehicle, but driving it frequently or at high speeds will put more strain on the engine and other parts. While it won’t need a great deal of maintenance if it’s treated properly, routine service appointments can ensure that your Mustang performs as it should.

Since your vehicle’s performance and price can directly affect the cost of insurance, the lower-end models should be cheaper to insure compared to the 500 horsepower Shelby GT350R, for example. However, the Mustang’s safety features may be eligible for auto insurance discounts, so you should compare your options to find out which provider can offer you the best price.

The Mustang comes with Ford’s three-year/36,000-mile new vehicle limited warranty and five-year/60,000 mile powertrain warranty. New vehicles also include five years/60,000 miles of corrosion protection and roadside assistance.

Ford offers a selection of extended service plans that can help protect your Mustang after the initial warranty expires. Available in multiple term lengths, these plans generally include OEM part replacements, rental car allowances, roadside assistance, service from licensed Ford technicians and more. Ford also offers two maintenance plans to cover recommended and scheduled servicing.

Bottom line

The Mustang is a relatively inexpensive muscle car that offers an exciting driving experience wherever you decide to take it. Depending on your choice of model and build options, the Ford Mustang is capable of over 500 horsepower.

That said, all Mustangs come equipped with great safety features and impressive crash test scores that may lead to auto insurance discounts. Compare your options to find out which provider has the best price for the coverage you need.

Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

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