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 insurance. Comprehensive insurance costs on average $292, collision costs $500, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $3,030 or more. 16-year-old drivers pay the most at $5,274 a year or more.
Average premium for full coverage: $1,402
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Taurus models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Ford Taurus go from as cheap as $504 for liability-only coverage to the much higher price of $3,030 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why everyone should compare rates 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.
Additional Charts and Tables
The chart below illustrates estimated Ford Taurus insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $810
- Drivers who choose higher $1,000 deductibles will pay around $180 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,402
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $346 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $3,030 or more
- An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,274 a year
Insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your risk profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect 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 are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $530 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,890 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices will be substantially different between companies.
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 the Best Ford Taurus Insurance
Finding better rates on Ford Taurus insurance not only requires having a good driving record, but also having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to compare rates once a year by requesting rates from direct insurance companies, and also from local exclusive and independent agents.
The next list is a brief recap of the data that was covered above.
- It is possible to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Drivers who require increased levels of liability coverage will pay around $500 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger pay the highest prices, with premiums being up to $440 per month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations may pay on average $1,630 more each year to buy Ford Taurus insurance
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
