Ford Mustang Insurance Cost
The Ford Mustang is a sports car with an average insurance cost of $2,350/yr. It carries a 5/5 NHTSA safety rating and high theft risk. See how costs break down by year below.
Quote My Mustang$2,350/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Sports Car
Body Type
Insurance Cost by Year — Ford Mustang
About Ford Mustang Insurance
The Ford Mustang is a popular sports car that averages $2,350/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Mustang is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer Mustangs (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Ford Mustang insurance cost?
The average insurance cost for a Ford Mustang is $2,350/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Ford Mustang expensive to insure?
Compared to the national average of about $1,770/yr, the Ford Mustang at $2,350/yr is above average in insurance cost. As a sports car, it falls within the typical range for its class.
What is the Ford Mustang's safety rating?
The Ford Mustang has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Ford Mustang a theft target?
The Ford Mustang has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Ford Mustang insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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