Ford Taurus Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
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U.S. average auto insurance rates for a Ford Taurus are $1,364 annually with full coverage. Comprehensive insurance costs an estimated $280 a year, collision costs $470, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $2,950 or more. Teens pay the highest rates at $5,164 a year or more.
Average premium for full coverage: $1,364
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Taurus trim levels.
Price Range from Low to High
For the normal driver, Ford Taurus insurance prices go from as cheap as $508 for just liability insurance to a high of $2,950 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.
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 Details
The chart below details estimated Ford Taurus insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $792
- Choosing higher $1,000 deductibles can save approximately $1,192 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,364
- Selecting low $100 deductibles for comp and collision coverage costs an additional $330 each year
- Drivers with serious driving violations could pay up to $2,950 or more
- The price with full coverage for a teenage driver can cost as much as $5,164 each year
Car insurance prices for a Ford Taurus are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,840 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Each auto insurer calculates prices differently, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| 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 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 | $292 | $500 | $452 | $1,402 |
| 2018 Ford Taurus | $280 | $470 | $456 | $1,364 |
| 2017 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 2016 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2015 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2014 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2013 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2012 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2011 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2010 Ford Taurus | $186 | $238 | $474 | $1,056 |
| 2008 Ford Taurus | $178 | $208 | $460 | $1,004 |
| 2007 Ford Taurus | $176 | $198 | $452 | $984 |
| 2006 Ford Taurus | $160 | $190 | $446 | $954 |
| 2005 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 More Affordable Ford Taurus Insurance
Getting lower rates on auto insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a summary of the concepts that were presented in the illustrations above.
- Drivers who have multiple accidents or major violations pay on average $1,590 more annually than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, costing up to $430 a month if comprehensive and collision insurance is included
- You may be able to save approximately $160 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $500 each year
- You may be able to save approximately $160 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,694 |
| $250 | $1,540 |
| $500 | $1,364 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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