Ford Taurus Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 15, 2024
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The average insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage insurance. Comprehensive costs an estimated $280, collision insurance costs $470, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,950. Teen drivers cost the most to insure at up to $5,164 a year.
Average premium for full coverage: $1,364
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Taurus trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Taurus insurance rates range from the cheapest price of $508 for minimum levels of liability insurance to a much higher rate of $2,950 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below illustrates average Ford Taurus insurance rates for other coverage scenarios.
- The lowest rate with discounts is $792
- Drivers who choose higher $1,000 deductibles will pay approximately $172 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,364
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,694
- Drivers with multiple violations and an at-fault accident could pay up to $2,950
- Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,164 a year
Car insurance rates for a Ford Taurus also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles could save up to $510 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than average. View High Risk Driver Rates
Your home state makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,840 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,234 | -$130 | -9.5% |
| Alaska | $1,046 | -$318 | -23.3% |
| Arizona | $1,132 | -$232 | -17.0% |
| Arkansas | $1,364 | -$0 | 0.0% |
| California | $1,556 | $192 | 14.1% |
| Colorado | $1,304 | -$60 | -4.4% |
| Connecticut | $1,402 | $38 | 2.8% |
| Delaware | $1,544 | $180 | 13.2% |
| Florida | $1,708 | $344 | 25.2% |
| Georgia | $1,258 | -$106 | -7.8% |
| Hawaii | $982 | -$382 | -28.0% |
| Idaho | $922 | -$442 | -32.4% |
| Illinois | $1,016 | -$348 | -25.5% |
| Indiana | $1,028 | -$336 | -24.6% |
| Iowa | $922 | -$442 | -32.4% |
| Kansas | $1,296 | -$68 | -5.0% |
| Kentucky | $1,862 | $498 | 36.5% |
| Louisiana | $2,018 | $654 | 47.9% |
| Maine | $842 | -$522 | -38.3% |
| Maryland | $1,126 | -$238 | -17.4% |
| Massachusetts | $1,092 | -$272 | -19.9% |
| Michigan | $2,370 | $1,006 | 73.8% |
| Minnesota | $1,142 | -$222 | -16.3% |
| Mississippi | $1,636 | $272 | 19.9% |
| Missouri | $1,210 | -$154 | -11.3% |
| Montana | $1,468 | $104 | 7.6% |
| Nebraska | $1,074 | -$290 | -21.3% |
| Nevada | $1,636 | $272 | 19.9% |
| New Hampshire | $982 | -$382 | -28.0% |
| New Jersey | $1,524 | $160 | 11.7% |
| New Mexico | $1,208 | -$156 | -11.4% |
| New York | $1,436 | $72 | 5.3% |
| North Carolina | $786 | -$578 | -42.4% |
| North Dakota | $1,116 | -$248 | -18.2% |
| Ohio | $942 | -$422 | -30.9% |
| Oklahoma | $1,402 | $38 | 2.8% |
| Oregon | $1,248 | -$116 | -8.5% |
| Pennsylvania | $1,302 | -$62 | -4.5% |
| Rhode Island | $1,820 | $456 | 33.4% |
| South Carolina | $1,236 | -$128 | -9.4% |
| South Dakota | $1,150 | -$214 | -15.7% |
| Tennessee | $1,196 | -$168 | -12.3% |
| Texas | $1,644 | $280 | 20.5% |
| Utah | $1,012 | -$352 | -25.8% |
| Vermont | $936 | -$428 | -31.4% |
| Virginia | $818 | -$546 | -40.0% |
| Washington | $1,054 | -$310 | -22.7% |
| West Virginia | $1,250 | -$114 | -8.4% |
| Wisconsin | $946 | -$418 | -30.6% |
| Wyoming | $1,216 | -$148 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Taurus SE | $1,274 | $106 |
| Ford Taurus SEL | $1,308 | $109 |
| Ford Taurus SEL AWD | $1,330 | $111 |
| Ford Taurus Limited | $1,364 | $114 |
| Ford Taurus Limited AWD | $1,398 | $117 |
| Ford Taurus SHO AWD | $1,430 | $119 |
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 | $292 | $500 | $452 | $1,402 |
| 2018 Ford Taurus | $280 | $470 | $456 | $1,364 |
| 2017 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 2016 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2015 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2014 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2013 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2012 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2011 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2010 Ford Taurus | $186 | $238 | $474 | $1,056 |
| 2008 Ford Taurus | $178 | $208 | $460 | $1,004 |
| 2007 Ford Taurus | $176 | $198 | $452 | $984 |
| 2006 Ford Taurus | $160 | $190 | $446 | $954 |
| 2005 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 Shop for the Cheapest Ford Taurus Insurance
Finding cheaper rates on insurance for a Ford Taurus not only requires being a good driver, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a recap of the data raised in the charts and tables above.
- Insureds who want an increased level of liability coverage will pay about $500 annually to go from a 30/60 limit to a 250/500 level
- It is possible to save approximately $160 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Drivers age 16 to 20 have the highest car insurance rates, possibly costing $430 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,164 |
| 20 | $3,138 |
| 30 | $1,414 |
| 40 | $1,364 |
| 50 | $1,246 |
| 60 | $1,222 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,694 |
| $250 | $1,540 |
| $500 | $1,364 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,364 |
| 50/100 | $1,521 |
| 100/300 | $1,635 |
| 250/500 | $1,932 |
| 100 CSL | $1,567 |
| 300 CSL | $1,818 |
| 500 CSL | $2,000 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,354 |
| 20 | $4,998 |
| 30 | $3,004 |
| 40 | $2,950 |
| 50 | $2,816 |
| 60 | $2,790 |
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 | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $96 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
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