Ford Mustang Insurance in New Jersey
Rates from $55 – $91/mo minimum coverage, $190 – $316/mo full coverage. Compare top NJ carriers below.
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Updated June 2026 · Source: New Jersey DOI + IQ rate model
Average monthly premium — 2024 Ford Mustang, New Jersey
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Ford Mustang drivers in New Jersey
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Ford Mustang insurance costs what it does in New Jersey
Keeps liability premiums near the baseline for this class.
Raises comprehensive premium ~8%. Factory immobilizer + tracking discounts available.
High parts and labor costs raise collision premiums materially.
New Jersey is a choice no-fault state requiring 25/50/25 liability + $15,000 PIP. Densely populated, high claim frequency, but credit-based scoring + driving history are weighted heavily, so good drivers can find competitive rates. Basic Policy option exists for cost-sensitive drivers (lower limits).
Frequently asked questions
01How much is Ford Mustang insurance in New Jersey?
New Jersey drivers of a 2024 Ford Mustang pay about $190 – $316 per month for full coverage, or roughly $55 – $91 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Mustang?
Yes. If your Mustang has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. New Jersey law itself only requires the state liability minimums (25/50/25 plus $15,000 PIP), but the lender's contract overrides that.
03What's the cheapest carrier for a Mustang in New Jersey?
Cheapest varies by driver profile, but in New Jersey the major carriers most often quoting the lowest premiums for a Mustang are GEICO, Progressive, and State Farm. Regional carriers (NJM, Plymouth Rock, and Mercury) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Why does a Mustang cost more to insure than a sedan?
Coupes like the Mustang carry 10-20% higher premiums than equivalently-priced sedans because (a) they're statistically driven more aggressively (younger driver skew, more performance trims), and (b) they have a higher single-vehicle crash rate. Your individual driving record can offset most of that.
05Does New Jersey require SR-22 after a DUI for a Mustang?
After a DUI, New Jersey requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Mustang typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.