Ford Taurus Insurance Rates
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UPDATED: Aug 24, 2022
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|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.
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$101|
|5-yr Claim Free||$91|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.