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: Jun 6, 2023

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Ford Taurus insurance

Average insurance rates for a Ford Taurus are $1,364 a year with full coverage. Comprehensive insurance costs approximately $280 a year, collision costs $470, and liability insurance costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $2,950 or more. Teen drivers receive the highest rates at $5,164 a year or more.

Average premium for full coverage: $1,364

Rate estimates by individual coverage type:

Comprehensive $280
Collision $470
Liability $456

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Taurus trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $508 for basic liability insurance to a high of $2,950 for high-risk insurance.

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

Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

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

These examples demonstrate why it is important to compare rates using their specific location and risk profile, 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.

Rate Comparisons

The chart below details estimated Ford Taurus insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $792
  • Drivers who choose higher $1,000 deductibles will pay $1,192 annually
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,364
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $330 a year
  • High risk drivers with multiple violations and an at-fault accident could pay around $2,950 or more
  • The cost for full coverage for a teen driver can cost $5,164 a year

View Chart as Image

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

Insurance rates for a Ford Taurus can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,840 on average in New York, Michigan, 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 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

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 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 $280 $470 $456 $1,364
2015 Ford Taurus $250 $388 $460 $1,256
2014 Ford Taurus $242 $364 $464 $1,228
2013 Ford Taurus $236 $340 $474 $1,208
2012 Ford Taurus $218 $316 $474 $1,166
2011 Ford Taurus $212 $286 $478 $1,134
2010 Ford Taurus $198 $262 $474 $1,092
2008 Ford Taurus $180 $214 $468 $1,020
2007 Ford Taurus $178 $208 $460 $1,004
2006 Ford Taurus $176 $198 $452 $984
2005 Ford Taurus $160 $190 $446 $954
2004 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 More Affordable Ford Taurus Insurance

Saving money on Ford Taurus insurance not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every couple of years by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a summary of the material that was illustrated above.

  • Drivers who purchase more liability coverage will pay about $500 every year to go from a minimum limit to 250/500 limits
  • Teen drivers are the costliest to insure, with premiums as much as $430 per month including comprehensive and collision insurance
  • High-risk drivers who have multiple accidents or major violations pay on average $1,590 more per year to insure their Taurus
  • Increasing deductibles can save around $500 each year

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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