Insurance premiums for the Ford Mustang Mach-E average $174 monthly for full coverage and $89 for minimum coverage. Depending on your particular trim and model year, costs can range from $81 to $207 monthly.
Ford Mustang Mach-E Insurance Cost
Updated: January 14, 2026
Key Takeaways
GEICO offers the most affordable Ford Mustang Mach-E insurance, with full coverage averaging $137 monthly. Rates vary based on your model year and chosen insurer. Read more
The Mach-E ranks 92nd out of 256 SUVs for insurance affordability. While SUVs tend to be expensive to insure, the Mach-E's middle-tier placement makes it reasonably priced within its category. Read more
Your Mach-E's model year and driver age affect insurance rates. Teen drivers and owners of newer model years pay higher premiums than experienced drivers with older models. Read more
How Much Is Ford Mustang Mach-E Insurance?
| Ford Mustang Mach-E | $89 | $174 |
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Insurance costs for the Ford Mustang Mach-E range from $86 monthly for older models to $194 for the newest ones. Like most vehicles, newer Mach-Es cost more to insure because their fair market value is higher than older models.
Insurance costs for a Ford Mustang Mach-E depend on model year and company. Full coverage goes from $137 monthly with GEICO to $334 with AIG, while minimum coverage spans $63 with GEICO to $147 with UAIC.
Ford Mustang Mach-E owners should shop between insurers since minimum coverage varies by over $84 and full coverage by over $197. Each company calculates risk differently for the Mach-E, affecting your final quote.
| AAA | $104 | $217 |
| AIG | $133 | $334 |
| Allstate | $110 | $213 |
| Amica | $112 | $230 |
| Chubb | $130 | $258 |
| Farmers | $133 | $234 |
| Geico | $63 | $137 |
| Kemper | $105 | $215 |
| Nationwide | $94 | $163 |
| Progressive | $85 | $159 |
| State Farm | $85 | $179 |
| The Hartford | $106 | $181 |
| Travelers | $76 | $140 |
| UAIC | $147 | $185 |
Is Ford Mustang Mach-E Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Ford Mustang Mach-E ranking 92nd for affordability, meaning 91 vehicles cost less to insure. It's positioned between the slightly cheaper Toyota Sequoia and the marginally pricier Infiniti JX, with just a few dollars difference per month separating these models. This middle-tier placement among SUVs provides helpful context for potential buyers.
While it's middle of the pack among SUVs, the Mach-E's 373rd place out of 827 total vehicles actually puts it in the top half for affordability across all car types. SUVs tend to be expensive to insure overall, so this ranking is relatively good news for shoppers. The cheapest SUV to insure remains the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums.
| Hummer H3 | $131 | 89 |
| Chevrolet Bolt | $131 | 89 |
| Ford EcoSport | $131 | 90 |
| Jeep Wrangler Unlimited | $131 | 91 |
| Toyota Sequoia | $131 | 91 |
| Ford Mustang Mach-E | $132 | 92 |
| Infiniti JX | $132 | 93 |
| Toyota Highlander | $133 | 94 |
| Kia Sportage | $133 | 95 |
| Subaru Solterra | $133 | 95 |
| Volvo XC60 | $133 | 95 |
Several factors affect what you'll pay for Ford Mustang Mach-E insurance:
- Average Repair or Replacement Costs: The Mach-E ranks as Ford's 3rd most expensive model to maintain out of 35, with repair costs averaging $1,191 annually. This higher maintenance expense typically translates to increased insurance premiums.
- Vehicle Trim, Features and Accessories: Performance capabilities vary dramatically across trims, with horsepower ranging from 266 to 480 depending on your model. Higher-performance variants with extreme horsepower output command substantially more expensive premiums due to increased risk profiles.
- Driver Profile: Most Mach-E owners fall into the 40-50 age range, which generally results in lower insurance rates due to responsible driving profiles. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ford Mustang Mach-Es for young drivers.
Ford Mustang Mach-E Costs by Model Year and Driver Age by Insurance Company
Model year significantly impacts your Ford Mustang Mach-E insurance costs, with newer vehicles commanding higher premiums than older ones. A 2021 Ford Mustang Mach-E costs an average of $193 per month for full coverage for drivers aged 35 to 55, while a 2025 model costs $220 per month. Teen and young adult drivers pay more across all model years due to their age and driving experience.
GEICO offers the most affordable rates across all Mustang Mach-E model years and could save you hundreds monthly.
Cost of Car Insurance for 2025 Ford Mustang Mach-E
| Geico | $71 | $156 |
| National General | $83 | $170 |
| Travelers | $88 | $164 |
| Kemper | $97 | $196 |
| Progressive | $97 | $182 |
| State Farm | $100 | $209 |
| Nationwide | $100 | $174 |
| The Hartford | $116 | $198 |
| AAA | $117 | $243 |
| Allstate | $119 | $232 |
| Amica | $129 | $265 |
| Chubb | $144 | $287 |
| AIG | $146 | $368 |
| Farmers | $147 | $258 |
| UAIC | $153 | $193 |
2025 Ford Mustang Mach-E Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $786 | $691 | $611 | $528 | $466 | $396 | $360 | $321 | $294 | $259 |
| Nationwide | $788 | $721 | $664 | $563 | $476 | $309 | $286 | $267 | $253 | $226 |
| Geico | $882 | $645 | $542 | $394 | $339 | $274 | $252 | $209 | $197 | $179 |
| Travelers | $983 | $711 | $562 | $434 | $384 | $280 | $256 | $237 | $219 | $189 |
| Allstate | $1,088 | $855 | $692 | $513 | $460 | $359 | $326 | $308 | $291 | $257 |
| Progressive | $1,325 | $1,071 | $889 | $494 | $431 | $348 | $310 | $277 | $255 | $219 |
| Farmers | $1,600 | $1,185 | $1,056 | $662 | $625 | $477 | $424 | $406 | $386 | $324 |
Cost of Car Insurance for 2024 Ford Mustang Mach-E
| Geico | $70 | $152 |
| National General | $75 | $154 |
| Travelers | $78 | $143 |
| Nationwide | $91 | $158 |
| State Farm | $93 | $194 |
| Progressive | $95 | $179 |
| Kemper | $103 | $209 |
| The Hartford | $106 | $181 |
| AAA | $107 | $221 |
| Allstate | $113 | $219 |
| Amica | $114 | $234 |
| Chubb | $133 | $265 |
| AIG | $134 | $336 |
| Farmers | $137 | $241 |
| UAIC | $153 | $194 |
2024 Ford Mustang Mach-E Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $715 | $654 | $602 | $511 | $432 | $280 | $260 | $242 | $229 | $205 |
| State Farm | $732 | $644 | $569 | $492 | $434 | $369 | $335 | $299 | $274 | $241 |
| Geico | $862 | $630 | $529 | $385 | $331 | $267 | $246 | $204 | $193 | $175 |
| Travelers | $868 | $624 | $493 | $380 | $335 | $245 | $224 | $207 | $191 | $165 |
| Allstate | $1,043 | $817 | $659 | $487 | $436 | $340 | $309 | $291 | $275 | $243 |
| Progressive | $1,299 | $1,051 | $872 | $485 | $423 | $341 | $304 | $271 | $250 | $214 |
| Farmers | $1,498 | $1,110 | $988 | $617 | $583 | $444 | $395 | $378 | $359 | $302 |
Cost of Car Insurance for 2023 Ford Mustang Mach-E
| Geico | $60 | $131 |
| National General | $69 | $142 |
| Travelers | $73 | $135 |
| State Farm | $81 | $168 |
| Progressive | $81 | $152 |
| Nationwide | $97 | $167 |
| AAA | $101 | $209 |
| The Hartford | $104 | $177 |
| Amica | $107 | $218 |
| Allstate | $109 | $210 |
| Kemper | $109 | $224 |
| Chubb | $125 | $248 |
| Farmers | $126 | $222 |
| AIG | $129 | $324 |
| UAIC | $146 | $183 |
2023 Ford Mustang Mach-E Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $632 | $556 | $492 | $425 | $375 | $319 | $290 | $259 | $237 | $208 |
| Geico | $742 | $542 | $455 | $330 | $284 | $229 | $211 | $175 | $165 | $150 |
| Nationwide | $759 | $695 | $640 | $543 | $459 | $297 | $276 | $257 | $243 | $217 |
| Travelers | $818 | $585 | $462 | $355 | $313 | $230 | $210 | $194 | $179 | $155 |
| Allstate | $1,001 | $784 | $632 | $467 | $418 | $326 | $296 | $279 | $263 | $233 |
| Progressive | $1,106 | $893 | $741 | $412 | $360 | $290 | $259 | $231 | $213 | $183 |
| Farmers | $1,377 | $1,021 | $910 | $568 | $537 | $409 | $364 | $348 | $331 | $278 |
Cost of Car Insurance for 2022 Ford Mustang Mach-E
| Geico | $59 | $128 |
| National General | $71 | $146 |
| Travelers | $73 | $133 |
| Progressive | $78 | $145 |
| State Farm | $78 | $163 |
| Nationwide | $95 | $164 |
| AAA | $102 | $211 |
| The Hartford | $104 | $178 |
| Kemper | $105 | $216 |
| Allstate | $109 | $210 |
| Amica | $109 | $224 |
| Farmers | $127 | $224 |
| Chubb | $129 | $256 |
| AIG | $131 | $330 |
| UAIC | $144 | $181 |
2022 Ford Mustang Mach-E Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $614 | $541 | $479 | $413 | $365 | $310 | $282 | $252 | $230 | $203 |
| Geico | $727 | $531 | $445 | $323 | $278 | $225 | $207 | $171 | $162 | $147 |
| Nationwide | $743 | $681 | $627 | $532 | $449 | $291 | $270 | $252 | $238 | $213 |
| Travelers | $809 | $580 | $457 | $352 | $311 | $228 | $208 | $192 | $177 | $154 |
| Allstate | $1,002 | $785 | $633 | $468 | $419 | $327 | $296 | $280 | $264 | $234 |
| Progressive | $1,054 | $850 | $705 | $393 | $343 | $277 | $247 | $220 | $203 | $174 |
| Farmers | $1,387 | $1,028 | $916 | $573 | $541 | $412 | $367 | $351 | $334 | $280 |
Cost of Car Insurance for 2021 Ford Mustang Mach-E
| Geico | $58 | $127 |
| National General | $70 | $143 |
| Travelers | $73 | $133 |
| Progressive | $80 | $149 |
| State Farm | $82 | $172 |
| Nationwide | $90 | $156 |
| AAA | $101 | $209 |
| The Hartford | $104 | $178 |
| Allstate | $106 | $204 |
| Amica | $108 | $220 |
| Kemper | $109 | $224 |
| Chubb | $125 | $248 |
| AIG | $128 | $321 |
| Farmers | $131 | $233 |
| UAIC | $144 | $181 |
2021 Ford Mustang Mach-E Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $646 | $568 | $503 | $434 | $383 | $326 | $296 | $264 | $242 | $213 |
| Nationwide | $708 | $648 | $597 | $506 | $428 | $277 | $257 | $240 | $227 | $203 |
| Geico | $719 | $524 | $440 | $319 | $275 | $222 | $205 | $169 | $160 | $145 |
| Travelers | $807 | $578 | $456 | $351 | $309 | $228 | $208 | $192 | $177 | $154 |
| Allstate | $971 | $761 | $613 | $453 | $406 | $317 | $287 | $272 | $256 | $227 |
| Progressive | $1,083 | $875 | $726 | $405 | $353 | $285 | $254 | $226 | $208 | $179 |
| Farmers | $1,459 | $1,079 | $960 | $594 | $560 | $425 | $379 | $362 | $345 | $290 |
Ford Mustang Mach-E Insurance Cost by Trim
Insurance costs for your Ford Mustang Mach-E vary dramatically by trim, from $81 monthly for minimum coverage on First Edition Sport Utility 4d models to $207 for full coverage on Premium variants. Performance features, rarity, and market value determine where each trim falls in this range.
| First Edition Sport Utility 4d | $81 | $156 |
| Select Sport Utility 4d | $86 | $166 |
| Gt Sport Utility 4d | $87 | $169 |
| California Route 1 Sport Utility 4d | $87 | $169 |
| Premium Sport Utility 4d | $87 | $170 |
| Select | $91 | $177 |
| Gt | $93 | $181 |
| Premium | $106 | $207 |
Ford Mustang Mach-E Insurance Cost by State
Ford Mustang Mach-E insurance costs vary wildly by location, from just $33 monthly in Wyoming to $174 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $76 | $145 |
| Alaska | $63 | $134 |
| Arizona | $107 | $201 |
| Arkansas | $78 | $174 |
| California | $90 | $182 |
| Colorado | $89 | $214 |
| Connecticut | $121 | $210 |
| Delaware | $121 | $203 |
| Florida | $109 | $254 |
| Georgia | $135 | $221 |
| Hawaii | $47 | $106 |
| Idaho | $49 | $101 |
| Illinois | $83 | $155 |
| Indiana | $59 | $116 |
| Iowa | $53 | $127 |
| Kansas | $67 | $157 |
| Kentucky | $109 | $186 |
| Louisiana | $174 | $373 |
| Maine | $48 | $99 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $189 |
| Michigan | $142 | $275 |
| Minnesota | $74 | $154 |
| Mississippi | $83 | $165 |
| Missouri | $110 | $222 |
| Montana | $68 | $162 |
| Nebraska | $67 | $153 |
| Nevada | $155 | $279 |
| New Hampshire | $63 | $113 |
| New Jersey | $142 | $235 |
| New Mexico | $75 | $169 |
| New York | $111 | $200 |
| North Carolina | $75 | $146 |
| North Dakota | $56 | $122 |
| Ohio | $67 | $131 |
| Oklahoma | $85 | $189 |
| Oregon | $105 | $183 |
| Pennsylvania | $79 | $186 |
| Rhode Island | $109 | $195 |
| South Carolina | $91 | $170 |
| South Dakota | $50 | $154 |
| Tennessee | $71 | $144 |
| Texas | $114 | $233 |
| Utah | $97 | $165 |
| Vermont | $43 | $102 |
| Virginia | $84 | $137 |
| Washington | $79 | $148 |
| West Virginia | $79 | $161 |
| Wisconsin | $60 | $132 |
| Wyoming | $33 | $106 |
How to Lower the Cost of Ford Mustang Mach-E Insurance
We've compiled proven strategies to help you find better rates on Ford Mustang Mach-E insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Ford Mustang Mach-E. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for electric vehicles. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Mach-E.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford Mustang Mach-E owners often qualify for safety features discounts, good driver rewards, bundling savings and electric vehicle discounts that can significantly reduce your premiums.
- 5Consider alternative car insurance types
Ford Mustang Mach-E owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Ford Mustang Mach-E insurance costs.
Ford Mustang Mach-E Insurance Cost: Bottom Line
Ford Mustang Mach-E insurance runs about average compared to other vehicles, though you can still secure decent rates. Shopping between multiple companies and claiming available discounts helps you find better pricing for your coverage.
Ford Mustang Mach-E Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Mustang Mach-E?
Ford Mustang Mach-E insurance costs average $2,089 annually for full coverage and $1,073 yearly for state minimum coverage. These rates position the electric SUV below national averages for auto insurance premiums.
What company has the cheapest car insurance for a Ford Mustang Mach-E?
Geico provides the most affordable auto insurance for a Ford Mustang Mach-E at $754 annually for minimum coverage. Full coverage seekers also get the best rates with Geico at $1,640 per year.
Are Ford Mustang Mach-Es expensive to insure?
No, Ford Mustang Mach-E insurance is not expensive compared to most vehicles. Among SUVs specifically, this model ranks 92nd out of 256 for affordability, placing it in the more budget-friendly half of its category.
What factors affect insurance costs for Ford Mustang Mach-Es?
Multiple factors increase Ford Mustang Mach-E insurance costs. Advanced electric technology and specialized components make repairs expensive, while the vehicle's popularity drives higher theft rates. Your driving record, credit score, and coverage selections significantly impact your final premium alongside the car's elevated market value.
How can I lower Ford Mustang Mach-E insurance costs?
Compare quotes from several insurers since Ford Mustang Mach-E pricing differs significantly between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with home or renters insurance, and maintain a clean driving record to secure better rates.
How We Determined Ford Mustang Mach-E Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Ford Mustang Mach-E insurance costs.
Who We Based These Rates On
These Ford Mustang Mach-E prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.