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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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 including full coverage. Comprehensive costs an estimated $280, collision insurance costs $470, and liability insurance is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs around $2,950. Teen drivers pay the most at up to $5,164 a year.

Average premium for full coverage: $1,364

Premium estimates broken down by type of coverage:

Comprehensive $280
Collision $470
Liability $456

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Ford Taurus range from the low end price of $508 for your basic liability-only policy to the much higher price of $2,950 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts insurance prices.

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

These rate differences highlight why everyone should compare rates quotes for a targeted area, rather than relying 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.

More Rate Information

The chart below breaks down average Ford Taurus insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $792
  • Raising to $1,000 deductibles will save approximately $172 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,364
  • Choosing pricier low deductibles bumps up the cost to $1,694
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,950
  • An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,164

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 prices for a Ford Taurus also have a wide range based on the model of your Taurus, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 in extra premium annually, depending on your age. Ford Taurus insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Taurus insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.

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 can reduce prices by up to $510 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

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 Affordable Ford Taurus Insurance

Finding better rates on Ford Taurus insurance consists of avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief review of the data touched on above.

  • Drivers who want higher liability limits will pay about $500 per year to raise from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $500 each year
  • Teenagers are the costliest to insure, with the cost nearing $430 per month if the policy includes 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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