2021 Ford Mustang Car Insurance Calculator

Learn in real-time how changes to driver risk factors and vehicle options affect the cost of insurance for a 2021 Ford Mustang. Experiment with rate factors like liability limits, policy deductibles, and driver age to see how insurance rates are affected. Immediately discover if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2021 Ford Mustang is $2,216 per year, or about $185 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,216

Cost Per Month

$185

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford Mustang Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2021 Ford Mustang.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,216
Average Rate
Your Rate
$2,216

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2021 Ford Mustang trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 Ford Mustang is $2,216.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 Ford Mustang vs. the Sports Car Segment

The table below compares insurance rates for the 2021 Ford Mustang against all other models in the sports car segment. The Ford Mustang is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford Mustang, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford Mustang.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 Ford Mustang Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,816-$400
2Ford Mustang$2,216--
3BMW Z4$2,258$42
4Audi TT$2,362$146
5Toyota Supra$2,382$166
6Subaru WRX$2,390$174
7Nissan 370Z$2,434$218
8Subaru BRZ$2,554$338
9BMW M2$2,568$352
10Porsche 718$2,612$396
11Chevrolet Corvette$2,614$398
12Chevrolet Camaro$2,732$516
13Lexus RC F$2,742$526
14Dodge Challenger$2,876$660
15Mercedes-Benz AMG GT53$2,978$762
2021 Sports Car Average$2,982$766
16Jaguar F-Type$3,294$1,078
17Lexus LC 500$3,360$1,144
18BMW M4$3,454$1,238
19Porsche 911$3,484$1,268
20Mercedes-Benz AMG GT63$3,944$1,728
21Acura NSX$3,972$1,756
22BMW i8$3,976$1,760
23Audi R8$4,272$2,056
24Nissan GT-R$4,274$2,058

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 Mustang Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Ford Mustang.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 Ford Mustang Insurance Rates by Trim Level
2021 Ford Mustang Trim Level Annual Premium Cost Per Month
Ecoboost Coupe$1,930$161
Ecoboost Convertible$1,996$166
Ecoboost Premium Coupe$2,058$172
GT Coupe$2,122$177
Ecoboost Premium Convertible$2,124$177
GT Premium Coupe$2,186$182
Mach-E$2,188$182
GT Premium Convertible$2,252$188
Bullitt Coupe$2,316$193
Mach-1$2,336$195
Mach-1 Premium$2,398$200
Shelby GT500$2,722$227

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 Ford Mustang for different driver ages.

2021 Ford Mustang Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,797$650
17$7,557$630
18$6,785$565
19$6,183$515
20$4,749$396
21$4,532$378
22$4,068$339
23$3,346$279
24$3,164$264
25$2,574$215
30$2,366$197
35$2,278$190
40$2,216$185
45$2,074$173
50$1,964$164
55$1,834$153
60$1,838$153
65$1,954$163
70$2,102$175
75$2,468$206
80$3,028$252

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford Mustang trim levels.