Ford Taurus Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 24, 2022

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Ford Taurus insurance

Estimated insurance prices for a Ford Taurus are $1,402 every 12 months including full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $500, and liability is $452. A liability-only policy costs around $504 a year, and high-risk insurance costs $3,030 or more. Teenage drivers pay the most at up to $5,274 a year.

Average premium for full coverage: $1,402

Premium estimates by type of coverage:

Comprehensive $292
Collision $500
Liability $452

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Taurus trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Ford Taurus range from the cheapest price of $504 for your basic liability-only policy to a much higher rate of $3,030 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,402
High Risk $3,030

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using 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.

More Rate Information

The chart below breaks down average Ford Taurus insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $810
  • Raising to $1,000 deductibles will save $180 every year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,402
  • Using more expensive low deductibles costs an extra $346 every year
  • At-risk drivers who are prone to accidents and violations could pay around $3,030
  • An auto insurance policy to insure a teen driver with full coverage can cost $5,274

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing Ford Taurus insurance prices range from $810 to $5,274 for full coverage

Auto insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Taurus.

Using high physical damage deductibles can reduce prices by up to $530 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,000 on average in Louisiana, New York, and Michigan.

Ford Taurus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$134 -9.6%
Alaska $1,074 -$328 -23.4%
Arizona $1,162 -$240 -17.1%
Arkansas $1,402 -$0 0.0%
California $1,594 $192 13.7%
Colorado $1,336 -$66 -4.7%
Connecticut $1,440 $38 2.7%
Delaware $1,584 $182 13.0%
Florida $1,752 $350 25.0%
Georgia $1,294 -$108 -7.7%
Hawaii $1,006 -$396 -28.2%
Idaho $948 -$454 -32.4%
Illinois $1,044 -$358 -25.5%
Indiana $1,054 -$348 -24.8%
Iowa $946 -$456 -32.5%
Kansas $1,332 -$70 -5.0%
Kentucky $1,910 $508 36.2%
Louisiana $2,074 $672 47.9%
Maine $864 -$538 -38.4%
Maryland $1,154 -$248 -17.7%
Massachusetts $1,120 -$282 -20.1%
Michigan $2,432 $1,030 73.5%
Minnesota $1,172 -$230 -16.4%
Mississippi $1,678 $276 19.7%
Missouri $1,242 -$160 -11.4%
Montana $1,504 $102 7.3%
Nebraska $1,106 -$296 -21.1%
Nevada $1,680 $278 19.8%
New Hampshire $1,010 -$392 -28.0%
New Jersey $1,566 $164 11.7%
New Mexico $1,240 -$162 -11.6%
New York $1,476 $74 5.3%
North Carolina $808 -$594 -42.4%
North Dakota $1,146 -$256 -18.3%
Ohio $968 -$434 -31.0%
Oklahoma $1,438 $36 2.6%
Oregon $1,284 -$118 -8.4%
Pennsylvania $1,336 -$66 -4.7%
Rhode Island $1,870 $468 33.4%
South Carolina $1,268 -$134 -9.6%
South Dakota $1,182 -$220 -15.7%
Tennessee $1,226 -$176 -12.6%
Texas $1,690 $288 20.5%
Utah $1,038 -$364 -26.0%
Vermont $960 -$442 -31.5%
Virginia $838 -$564 -40.2%
Washington $1,084 -$318 -22.7%
West Virginia $1,284 -$118 -8.4%
Wisconsin $970 -$432 -30.8%
Wyoming $1,248 -$154 -11.0%

View Chart as Image

Ford Taurus insurance rates by U.S. city

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 $1,304 $109
Ford Taurus SEL $1,342 $112
Ford Taurus SEL AWD $1,366 $114
Ford Taurus Limited $1,402 $117
Ford Taurus Limited AWD $1,436 $120
Ford Taurus SHO AWD $1,470 $123

Rates assume 2017 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
2017 Ford Taurus $292 $500 $452 $1,402
2015 Ford Taurus $268 $422 $460 $1,308
2014 Ford Taurus $250 $388 $460 $1,256
2013 Ford Taurus $242 $364 $464 $1,228
2012 Ford Taurus $236 $340 $474 $1,208
2011 Ford Taurus $218 $316 $474 $1,166
2010 Ford Taurus $212 $286 $478 $1,134
2008 Ford Taurus $186 $238 $474 $1,056
2007 Ford Taurus $180 $214 $468 $1,020
2006 Ford Taurus $178 $208 $460 $1,004
2005 Ford Taurus $176 $198 $452 $984
2004 Ford Taurus $160 $190 $446 $954
2003 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 Cheaper Ford Taurus Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit score, refrain from filing small claims, and possibly higher deductibles. Spend time shopping around at least once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a condensed summary of the primary concepts that were touched on above.

  • You may be able to save around $170 per year just by shopping early and online
  • Higher risk drivers with multiple at-fault accidents could be charged and average of $1,630 more per year to buy Ford Taurus insurance
  • Increasing policy deductibles could save as much as $525 each year
  • Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $440 per month if comprehensive and collision insurance is included

Rates by Driver Age

Ford Taurus Insurance Rates by Driver Age
Driver Age Premium
16 $5,274
20 $3,224
30 $1,454
40 $1,402
50 $1,280
60 $1,256

Full coverage, $500 deductibles

Rates by Deductible

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,586
$500 $1,402
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,560
100/300 $1,673
250/500 $1,967
100 CSL $1,606
300 CSL $1,854
500 CSL $2,035

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Taurus Insurance Rates for High Risk Drivers
Age Premium
16 $7,518
20 $5,134
30 $3,090
40 $3,030
50 $2,894
60 $2,866

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 $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $91
Paid in Full/EFT $62
Advance Quote $68
Online Quote $100
Total Discounts $592
Rate after discounts $810

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

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