Ford Taurus Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated auto insurance rates for a Ford Taurus are $1,402 annually for full coverage. Comprehensive costs on average $292, collision insurance costs $500, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $3,030. 16-year-old 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 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Taurus models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Taurus range from as cheap as $504 for basic liability insurance to the much higher price of $3,030 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.
These rate differences show why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying on rate 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 shows average Ford Taurus insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $810
- Using higher $1,000 deductibles will save around $180 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,402
- Buying pricier low deductibles for physical damage coverage will cost $1,748
- Drivers with multiple tickets or accidents could pay upwards of $3,030
- An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,274 or more
Auto insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your driver profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. Ford Taurus insurance for high-risk drivers can be anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $530 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $2,000 on average in Michigan, Louisiana, and New York.
| 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% |
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Ford Taurus | $304 | $538 | $442 | $1,442 |
| 2018 Ford Taurus | $292 | $500 | $452 | $1,402 |
| 2017 Ford Taurus | $280 | $470 | $456 | $1,364 |
| 2016 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 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 Buy Cheaper Ford Taurus Insurance
Finding better rates on Ford Taurus insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from local insurance agents.
The following is a condensed summary of the data covered in the above illustrations.
- Drivers who require higher liability limits will pay around $500 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $525 each year
- Teens are charged the highest prices, as much as $440 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,586 |
| $500 | $1,402 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
