Cheapest Ford Mustang Insurance in Fort Worth

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Insurance rates Ford Mustang in Fort WorthNo sane person likes buying insurance, in particular when their premiums are too high.

It goes without saying that car insurance companies want to keep you from comparing rates. Consumers who compare rates at least once a year will presumably buy a different policy because they stand a good chance of finding a policy with more affordable rates. A study discovered that consumers who made a habit of comparing rate quotes saved on average $865 a year compared to policyholders who don't make a habit of comparing rates.

If finding the cheapest rates on Ford Mustang insurance in Fort Worth is your ultimate goal, knowing how to quote and compare coverage rates can save time and money.

Multiple car insurance companies compete for your hard-earned dollar, so it's not easy to compare every insurer and uncover the absolute best price available on Ford Mustang insurance in Fort Worth.

You should make it a habit to compare premium rates quite often because insurance rates fluctuate regularly. Just because you had the lowest premium rates on Ford Mustang insurance in Fort Worth a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you're about to find out the best way to buy cheaper Ford Mustang insurance in Fort Worth.

If you have a current insurance policy, you will most likely be able to buy cheaper insurance using the techniques covered below. Buying the cheapest insurance in Fort Worth is actually quite simple. Although Texas car owners should learn how insurance companies compete online and use it to your advantage.

When quoting auto insurance, remember that comparing a large number of companies increases the chance that you will find a better price.

The auto insurance companies shown below can provide free rate quotes in Fort Worth, TX. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Rates and data analysis

The price information shown next covers detailed analysis of coverage prices for Ford Mustang models. Learning a little about how premiums are figured can assist in making smart choices when buying a policy.

Ford Mustang Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $234 $542 $462 $28 $138 $1,404 $117
Mustang 2-Dr Coupe $234 $542 $576 $34 $172 $1,558 $130
Mustang GT 2-Dr Convertible $264 $624 $462 $28 $138 $1,516 $126
Mustang GT 2-Dr Coupe $264 $624 $576 $34 $172 $1,670 $139
Mustang Shelby GT500 2-Dr Convertible $294 $788 $462 $28 $138 $1,710 $143
Mustang Shelby GT500 2-Dr Coupe $326 $870 $576 $34 $172 $1,978 $165
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can impact premium rates greatly.

Should you raise deductibles?

One common question asked by Fort Worth drivers is how high should the deductibles for physical damage be. The rates shown below help summarize how much more you'll pay between low and high physical damage deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Ford Mustang insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $328 $698 $382 $22 $114 $1,569 $131
Mustang 2-Dr Coupe $328 $698 $476 $28 $142 $1,697 $141
Mustang GT 2-Dr Convertible $370 $804 $382 $22 $114 $1,717 $143
Mustang GT 2-Dr Coupe $370 $804 $476 $28 $142 $1,845 $154
Mustang Shelby GT500 2-Dr Convertible $412 $1014 $382 $22 $114 $1,969 $164
Mustang Shelby GT500 2-Dr Coupe $454 $1120 $476 $28 $142 $2,245 $187
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Ford Mustang insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mustang 2-Dr Convertible $240 $472 $382 $22 $114 $1,230 $103
Mustang 2-Dr Coupe $240 $472 $476 $28 $142 $1,358 $113
Mustang GT 2-Dr Convertible $270 $542 $382 $22 $114 $1,330 $111
Mustang GT 2-Dr Coupe $270 $542 $476 $28 $142 $1,458 $122
Mustang Shelby GT500 2-Dr Convertible $300 $686 $382 $22 $114 $1,504 $125
Mustang Shelby GT500 2-Dr Coupe $332 $756 $476 $28 $142 $1,734 $145
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $33 more each month or $396 every year across all Ford Mustang models than choosing the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 12 months between claims, you would more than likely save some money if you choose the higher deductible. The table below shows how we made this calculation.

Average monthly premium for $100 deductibles: $153
Average monthly premium for $500 deductibles (subtract): - $120
Monthly savings from raising deductible: $33
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

One important note is that increasing deductibles to save money means you will have to pay more of your own money when you do file a claim. You should have some extra savings in order to pay the deductible for vehicle repair.

Does full coverage make sense?

The information below shows the difference between Ford Mustang premium costs with and without full coverage. The information is based on no claims, a clean driving record, $250 deductibles, drivers are single, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut formula of when to eliminate full coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Ford Mustang replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying the physical damage deductible. If premium cost is more than $800 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some conditions where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

How to know if you need help

Always keep in mind that when comparing coverage for your vehicles, there really isn't a single plan that fits everyone. Everyone's needs are different.Drive safe and save

These are some specific questions can help discover if you may require specific advice.

  • What is medical payments coverage?
  • Where can I find DUI or SR-22 insurance?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I have no license?
  • Is my babysitter covered when using my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I benefit by insuring my home with the same company?
  • Will my rates increase for filing one claim?
  • Can I afford to pay high deductible claims out of pocket?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Do I need a local insurance agent?

Certain consumers just want to have an agent's advice and that is OK! One of the benefits of comparing rates online is that you can obtain cheap rate quotes but also keep your business local. Buying insurance from small agencies is important particularly in Fort Worth.

After completing this simple form, the quote information is submitted to local insurance agents in Fort Worth who want to provide quotes for your coverage. It's much easier because you don't need to contact any agents since rate quotes are delivered to your email. You can find lower rates AND an agent nearby. If you want to get a comparison quote from a specific insurance company, feel free to search and find their rate quote page and give them your coverage information.

If you are wanting to purchase car insurance from a local insurance agency, there are a couple of types of insurance agents and how they can write your policy. Agencies in Fort Worth can be described as either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

Independent agencies can quote rates with many companies and that gives them the ability to insure with an assortment of companies depending on which coverage is best. If they quote lower rates, your agent can switch companies and the insured can keep the same agent.

When comparison shopping, you need to compare quotes from a few independent agents to have the most options to choose from.

The following are Fort Worth independent agents who may be able to give you free price quotes.


5901 E Lancaster Ave - Fort Worth, TX 76112 - (817) 496-9111 - View Map


6300 Ridglea Pl #1115 - Fort Worth, TX 76116 - (817) 380-5597 - View Map


3304 Swan St - Fort Worth, TX 76117 - (817) 335-3400 - View Map

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Exclusive Insurance Agencies

These agents can only provide one company's prices such as Farmers Insurance and State Farm. These agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are trained well on the products they sell which helps them sell on service rather than price.

Below is a short list of exclusive insurance agents in Fort Worth who can help you get rate quotes.


6231 Oakmont Blvd - Fort Worth, TX 76132 - (817) 294-9858 - View Map


5336 Wedgmont Cir N - Fort Worth, TX 76133 - (817) 292-6006 - View Map


5328 Boat Club Rd - Fort Worth, TX 76135 - (817) 236-7200 - View Map

More insurance agents

Selecting an auto insurance agent should depend on more than just the quoted price. The questions below may impact your decision as well.

  • Are they able to influence company decisions when a claim is filed?
  • Does their agency support local causes in Fort Worth?
  • If your car is totaled, how to they determine the replacement cost?
  • Does the company use OEM repair parts?
  • Is insurance their full-time profession?
  • How will an accident affect your rates?
  • Is the quote a firm price?

Upon getting good answers to any questions you may have and locked in a price quote, you've probably found an insurance agent that will adequately provide car insurance.