How much is insurance on a Ford Mustang Mach-E?

A 2024 Ford Mustang Mach-E runs about $1,910 a year for a typical 45-year-old, about the same as an average car of the same age: higher crash-repair losses and less damage to others' property and fewer injury claims about even out. Putting a new 16-year-old on a family policy with the Mustang Mach-E adds about $1,260 a year (#22 of 25 midsize SUVs we compare).

2024 Ford Mustang Mach-E (Mustang Mach-E AWD), national average

about $1,910 a year (about $160 a month)

Estimated range: $1,300–$2,900. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Mustang Mach-E drops to about $1,780 (see the table below).

A Ford Mustang Mach-E from the 2021–present generation. Photo: Elise240SX, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Mustang Mach-E AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Mustang Mach-E's rank is the same in every state.

Why the Ford Mustang Mach-E costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Ford Mustang Mach-E electric 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 123 for crash repairs, 103 for non-crash damage, 81 for damage to others' property, and 82 for injury claims.

Crash repairs (collision)fixing this car after a crashWorse than average23% worse than averageworst of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage3% worse than average19th best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage19% better than average11th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 18% less often than average10th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Mustang Mach-E comes out about 17% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 6% more than average: about $1,010 a year vs $950. On the liability side, damage to others and injury claims combine to about 18% better than average. We count about half, so that part is about 10% less: $900 a year vs $990.

How the math works

The Ford Mustang Mach-E is an electric small SUV that HLDI benchmarks among midsize SUVs; on electric models like the Mustang Mach-E, battery pack and sensor repair costs shape collision losses alongside low injury-claim frequency.

Expensive and electric cars can cost more or less to insure than their repair records suggest.
This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.

Matched to HLDI series “Ford Mustang Mach-E electric 4dr 4WD” (HLDI, 2022–24 models).

A used Ford Mustang Mach-E, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Mustang Mach-E AWD (0–3 years old)	about $1,910	about $900	+$1,260	about $5,470
2022 Mustang Mach-E AWD (4–7 years old)	about $1,780	about $900	+$1,180	about $5,120

Our catalog covers the Ford Mustang Mach-E across model years 2021–2027. Full coverage on a used 2022 Mustang Mach-E (4–7 years old) runs about $1,780 a year, $120 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $900 a year. Each photo shows that year's generation of the car. Photo credits.

All 6 versions of the 2024 Ford Mustang Mach-E in our catalog (Mustang Mach-E RWD, Mustang Mach-E RWD Extended, Mustang Mach-E AWD, Mustang Mach-E AWD Extended, Mustang Mach-E GT and Mustang Mach-E Rally) price within about $50 a year of each other.

On a policy of their own with a 2024 Ford Mustang Mach-E, a 22–25-year-old pays about $2,480 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,120, and a driver 65 and older about $2,000.

Adding a 16-year-old with a Ford Mustang Mach-E

Adding a new 16-year-old who drives the Ford Mustang Mach-E raises the family bill by about $1,260 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,470 a year, so keeping them on the family policy saves about $4,210 a year.

For adding a teen driver, the Ford Mustang Mach-E ranks 61st most expensive out of all 121 models we track. Stepping down to a used 2022 Mustang Mach-E (4–7 years old) brings the teen add-on to about $1,180 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Ford Mustang Mach-E is the 4th most expensive to insure. Right next to it are the Nissan Pathfinder (about $1,900 a year) and the Volkswagen ID.4 (about $1,920).

Photos from Wikimedia Commons contributors. Photo credits.

What a Ford Mustang Mach-E costs in your state

In six sample states, a 2024 Ford Mustang Mach-E runs from about $1,320 a year in Hawaii through Indiana, West Virginia, Arkansas and South Carolina to about $2,290 in Texas:

Hawaiiabout $1,320/yr · +$870 teen
Indianaabout $1,370/yr · +$900 teen
West Virginiaabout $1,630/yr · +$1,070 teen
Arkansasabout $1,720/yr · +$1,130 teen
South Carolinaabout $2,010/yr · +$1,330 teen
Texasabout $2,290/yr · +$1,510 teen

All 50 states and DC · Updated November 5, 2026.

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