Ford Taurus Insurance Rates
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UPDATED: Apr 15, 2024
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The average insurance rates for a Ford Taurus are $1,402 a year with full coverage. Comprehensive costs around $292, collision insurance costs $500, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs around $3,030. Teen drivers cost the most to insure at up to $5,274 a year.
Average premium for full coverage: $1,402
Policy rates for type of insurance:
Estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Taurus models.
Price Range Variability
For a driver in their 40's, Ford Taurus insurance rates range from as low as $504 for your basic liability-only policy to the much higher price of $3,030 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details average Ford Taurus insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $810
- Raising to $1,000 deductibles will save about $180 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,402
- Choosing pricier low deductibles will increase the cost to $1,748
- At-risk drivers with multiple violations and an at-fault accident could pay at least $3,030
- Policy cost for full coverage for a teen driver for full coverage can be $5,274
Insurance rates for a Ford Taurus also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
Your home state also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,890 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,074 | -$328 | -23.4% |
| Arizona | $1,162 | -$240 | -17.1% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,594 | $192 | 13.7% |
| Colorado | $1,336 | -$66 | -4.7% |
| Connecticut | $1,440 | $38 | 2.7% |
| Delaware | $1,584 | $182 | 13.0% |
| Florida | $1,752 | $350 | 25.0% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,006 | -$396 | -28.2% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,054 | -$348 | -24.8% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,910 | $508 | 36.2% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $864 | -$538 | -38.4% |
| Maryland | $1,154 | -$248 | -17.7% |
| Massachusetts | $1,120 | -$282 | -20.1% |
| Michigan | $2,432 | $1,030 | 73.5% |
| Minnesota | $1,172 | -$230 | -16.4% |
| Mississippi | $1,678 | $276 | 19.7% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,504 | $102 | 7.3% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,680 | $278 | 19.8% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,566 | $164 | 11.7% |
| New Mexico | $1,240 | -$162 | -11.6% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,146 | -$256 | -18.3% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,438 | $36 | 2.6% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$66 | -4.7% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,268 | -$134 | -9.6% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,226 | -$176 | -12.6% |
| Texas | $1,690 | $288 | 20.5% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $960 | -$442 | -31.5% |
| Virginia | $838 | -$564 | -40.2% |
| Washington | $1,084 | -$318 | -22.7% |
| West Virginia | $1,284 | -$118 | -8.4% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,248 | -$154 | -11.0% |
Choosing high deductibles can reduce rates by up to $530 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 additional every year, depending on your age. Ford Taurus insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Taurus SE | $1,304 | $109 |
| Ford Taurus SEL | $1,342 | $112 |
| Ford Taurus SEL AWD | $1,366 | $114 |
| Ford Taurus Limited | $1,402 | $117 |
| Ford Taurus Limited AWD | $1,436 | $120 |
| Ford Taurus SHO AWD | $1,470 | $123 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Ford Taurus | $304 | $538 | $442 | $1,442 |
| 2018 Ford Taurus | $292 | $500 | $452 | $1,402 |
| 2017 Ford Taurus | $280 | $470 | $456 | $1,364 |
| 2016 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 2015 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2014 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2013 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2012 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2011 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2010 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2008 Ford Taurus | $180 | $214 | $468 | $1,020 |
| 2007 Ford Taurus | $178 | $208 | $460 | $1,004 |
| 2006 Ford Taurus | $176 | $198 | $452 | $984 |
| 2005 Ford Taurus | $160 | $190 | $446 | $954 |
| 2004 Ford Taurus | $154 | $180 | $442 | $934 |
Rates are averaged for all Ford Taurus models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Ford Taurus Insurance
Finding cheaper rates on car insurance consists of having a good driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a review of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
- Higher risk drivers who have several accidents or serious violations pay an average of $1,630 more every year to buy Ford Taurus insurance
- Increasing comprehensive and collision deductibles can save around $525 each year
- Drivers age 20 and younger are charged the highest rates, as much as $440 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,274 |
| 20 | $3,224 |
| 30 | $1,454 |
| 40 | $1,402 |
| 50 | $1,280 |
| 60 | $1,256 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,586 |
| $500 | $1,402 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,560 |
| 100/300 | $1,673 |
| 250/500 | $1,967 |
| 100 CSL | $1,606 |
| 300 CSL | $1,854 |
| 500 CSL | $2,035 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,518 |
| 20 | $5,134 |
| 30 | $3,090 |
| 40 | $3,030 |
| 50 | $2,894 |
| 60 | $2,866 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $100 |
| Total Discounts | $592 |
Discounts are estimated and may not be available from every company or in every state.
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