Ford Taurus Insurance Rates

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2019 Ford Taurus Insurance Rates in 2025

Are you overwhelmed by the wide range of insurance companies? There are so many companies to choose from that it can turn into a difficult situation to locate the lowest insurance rates. Consumers need to get comparison quotes quite often because insurance prices tend to go up over time. Despite the fact that you may have had the best rates on Taurus insurance six months ago you may be paying too ...

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UPDATED: Apr 15, 2024

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Ford Taurus insurance

The average insurance rates for a Ford Taurus are $1,364 a year for full coverage insurance. Comprehensive costs on average $280 each year, collision insurance costs $470, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver 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 by type of insurance:

Comprehensive $280
Collision $470
Liability $456

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Taurus models.

Price Range Variability

Using a 40-year-old driver as an example, Ford Taurus insurance rates range from as low as $508 for basic liability insurance to a high rate of $2,950 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

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

The examples above illustrate why all drivers should compare rates based on a specific location and risk profile, rather than 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.

Rate Comparisons

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

  • The lowest rate with discounts is $792
  • Drivers who choose higher $1,000 deductibles will pay around $172 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,364
  • Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,694
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,950
  • Policy cost for full coverage for a teenage driver may cost $5,164 a year

View Chart as Image

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

Auto insurance rates for a Ford Taurus also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,100 a year. View Rates by Age

Your home state makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,840 on average in Michigan, New York, and Florida.

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

Choosing high deductibles could save up to $510 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than average. 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 the Right Ford Taurus Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the primary concepts that were raised in the charts and tables above.

  • It is possible to save as much as $160 per year just by quoting online in advance
  • Drivers with reckless driving or DUI convictions pay an average of $1,590 more each year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $500 each year
  • Teenage drivers are charged the highest rates, possibly costing $430 each month if they have full coverage

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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