Ford Taurus Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
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Average insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage. Comprehensive costs around $268 each year, collision insurance costs $422, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,820. Teens receive the highest rates at up to $4,978 a year.
Average premium for full coverage: $1,308
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Taurus models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $510 for just liability coverage to a high rate of $2,820 for a driver who requires high-risk insurance.
Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows average Ford Taurus insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $764
- Drivers who choose higher $1,000 deductibles will pay about $158 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,308
- Selecting low deductibles for comprehensive and collision insurance increases the price to $1,610
- Drivers with serious driving violations could pay at least $2,820
- The cost to insure a 16-year-old driver can be $4,978 a year
Auto insurance rates for a Ford Taurus can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $460 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 128% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$126 | -9.6% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,490 | $182 | 13.9% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,346 | $38 | 2.9% |
| Delaware | $1,480 | $172 | 13.1% |
| Florida | $1,636 | $328 | 25.1% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $938 | -$370 | -28.3% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $974 | -$334 | -25.5% |
| Indiana | $984 | -$324 | -24.8% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,242 | -$66 | -5.0% |
| Kentucky | $1,786 | $478 | 36.5% |
| Louisiana | $1,936 | $628 | 48.0% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,080 | -$228 | -17.4% |
| Massachusetts | $1,046 | -$262 | -20.0% |
| Michigan | $2,272 | $964 | 73.7% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,406 | $98 | 7.5% |
| Nebraska | $1,032 | -$276 | -21.1% |
| Nevada | $1,570 | $262 | 20.0% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,464 | $156 | 11.9% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $752 | -$556 | -42.5% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $904 | -$404 | -30.9% |
| Oklahoma | $1,344 | $36 | 2.8% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,746 | $438 | 33.5% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,144 | -$164 | -12.5% |
| Texas | $1,578 | $270 | 20.6% |
| Utah | $968 | -$340 | -26.0% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $782 | -$526 | -40.2% |
| Washington | $1,014 | -$294 | -22.5% |
| West Virginia | $1,198 | -$110 | -8.4% |
| Wisconsin | $906 | -$402 | -30.7% |
| Wyoming | $1,166 | -$142 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Taurus SE | $1,224 | $102 |
| Ford Taurus SEL | $1,256 | $105 |
| Ford Taurus SEL AWD | $1,276 | $106 |
| Ford Taurus Limited | $1,308 | $109 |
| Ford Taurus Limited AWD | $1,338 | $112 |
| Ford Taurus SHO AWD | $1,370 | $114 |
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 | $280 | $470 | $456 | $1,364 |
| 2018 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 2017 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2016 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2015 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2014 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2013 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2012 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2011 Ford Taurus | $186 | $238 | $474 | $1,056 |
| 2010 Ford Taurus | $180 | $214 | $468 | $1,020 |
| 2008 Ford Taurus | $176 | $198 | $452 | $984 |
| 2007 Ford Taurus | $160 | $190 | $446 | $954 |
| 2006 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 Affordable Ford Taurus Insurance
Saving money on insurance for a Ford Taurus not only requires avoiding accidents and claims, but also having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief review of the concepts that were covered above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,510 more every year to insure a Ford Taurus
- Drivers under the age of 20 are expensive to insure, costing as high as $415 per month if comprehensive and collision insurance is included
- Drivers can save up to $150 per year just by quoting online in advance
- Increasing deductibles could save as much as $450 each year
- Drivers can save up to $150 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,978 |
| 20 | $2,996 |
| 30 | $1,352 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,610 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,074 |
| 20 | $4,772 |
| 30 | $2,872 |
| 40 | $2,820 |
| 50 | $2,694 |
| 60 | $2,670 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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