Ford Taurus Insurance Rates

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UPDATED: Apr 15, 2024

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Ford Taurus insurance

Estimated insurance rates for a Ford Taurus are $1,364 a year with full coverage. Comprehensive insurance costs on average $280 each year, collision insurance costs $470, and liability insurance is estimated at $456. A policy with only liability insurance costs approximately $508 a year, and a high-risk policy costs $2,950 or more. Teenage drivers pay the most at up to $5,164 a year.

Average premium for full coverage: $1,364

Premium estimates by type of coverage:

Comprehensive $280
Collision $470
Liability $456

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Taurus models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Ford Taurus range from as low as $508 for the bare minimum liability coverage to a high rate of $2,950 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,364
High Risk $2,950

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

These rate differences demonstrate why all drivers should get quotes based on a specific location and risk profile, rather than relying on average rates.

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 Information

The chart below details average Ford Taurus insurance rates for different risk profiles and scenarios.

  • The best discount rate is $792
  • Choosing higher $1,000 deductibles can save around $172 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,364
  • Using low deductibles for comp and collision coverage will cost an extra $330 a year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,950
  • An auto insurance policy for full coverage for a teen driver may cost $5,164 each year

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing Ford Taurus insurance prices range from $792 to $5,164 for full coverage

Car insurance prices for a Ford Taurus also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

Ford Taurus Insurance Rates by State
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%

View Chart as Image

Ford Taurus insurance rates by U.S. city

Using high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Ford Taurus Insurance Rates by Model and Trim Level
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.

Ford Taurus Insurance Rates by Model Year
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 Find Cheap Ford Taurus Insurance

Finding better rates on Ford Taurus insurance takes being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a brief summary of the coverage data illustrated above.

  • You may be able to save as much as $160 per year just by quoting online in advance
  • Increasing policy deductibles can save around $500 each year
  • Youthful drivers are expensive to insure, possibly costing $430 per month if full coverage is included
  • High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,590 more each year than a low-risk driver

Rates by Driver Age

Ford Taurus Insurance 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

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,540
$500 $1,364
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
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

Ford Taurus Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $792

Discounts are estimated and may not be available from every company or in every state.

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