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 $1,308 annually including full coverage. Comprehensive insurance costs around $268, collision costs $422, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,820 or more. 16-year-old drivers pay the highest rates at $4,978 a year or more.
Average premium for full coverage: $1,308
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Taurus models.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford Taurus insurance prices go from as cheap as $510 for just liability insurance to the much higher price of $2,820 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using 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.
More Rate Details
The chart below breaks down estimated Ford Taurus insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $764
- Raising to $1,000 deductibles will save about $158 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,308
- Buying pricier low deductibles costs an additional $302 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,820 or more
- The price with full coverage for a teenage driver for full coverage can be $4,978
Auto insurance prices for a Ford Taurus are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Ford Taurus insurance for high-risk drivers is expensive and can cost around 42% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $460 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Ford Taurus insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$126 | -9.6% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,490 | $182 | 13.9% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,346 | $38 | 2.9% |
| Delaware | $1,480 | $172 | 13.1% |
| Florida | $1,636 | $328 | 25.1% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $938 | -$370 | -28.3% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $974 | -$334 | -25.5% |
| Indiana | $984 | -$324 | -24.8% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,242 | -$66 | -5.0% |
| Kentucky | $1,786 | $478 | 36.5% |
| Louisiana | $1,936 | $628 | 48.0% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,080 | -$228 | -17.4% |
| Massachusetts | $1,046 | -$262 | -20.0% |
| Michigan | $2,272 | $964 | 73.7% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,406 | $98 | 7.5% |
| Nebraska | $1,032 | -$276 | -21.1% |
| Nevada | $1,570 | $262 | 20.0% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,464 | $156 | 11.9% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $752 | -$556 | -42.5% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $904 | -$404 | -30.9% |
| Oklahoma | $1,344 | $36 | 2.8% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,746 | $438 | 33.5% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,144 | -$164 | -12.5% |
| Texas | $1,578 | $270 | 20.6% |
| Utah | $968 | -$340 | -26.0% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $782 | -$526 | -40.2% |
| Washington | $1,014 | -$294 | -22.5% |
| West Virginia | $1,198 | -$110 | -8.4% |
| Wisconsin | $906 | -$402 | -30.7% |
| Wyoming | $1,166 | -$142 | -10.9% |
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Taurus SE | $1,224 | $102 |
| Ford Taurus SEL | $1,256 | $105 |
| Ford Taurus SEL AWD | $1,276 | $106 |
| Ford Taurus Limited | $1,308 | $109 |
| Ford Taurus Limited AWD | $1,338 | $112 |
| Ford Taurus SHO AWD | $1,370 | $114 |
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 | $280 | $470 | $456 | $1,364 |
| 2018 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 2017 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2016 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2015 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2014 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2013 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2012 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2011 Ford Taurus | $186 | $238 | $474 | $1,056 |
| 2010 Ford Taurus | $180 | $214 | $468 | $1,020 |
| 2008 Ford Taurus | $176 | $198 | $452 | $984 |
| 2007 Ford Taurus | $160 | $190 | $446 | $954 |
| 2006 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 Low Cost Ford Taurus Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a review of the data raised in the charts and tables above.
- Consumers who may need higher liability limits will pay around $510 per year to raise from a low limit to higher 250/500 limits
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $450 each year
- Teenagers are expensive to insure, possibly costing $415 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,978 |
| 20 | $2,996 |
| 30 | $1,352 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,610 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,074 |
| 20 | $4,772 |
| 30 | $2,872 |
| 40 | $2,820 |
| 50 | $2,694 |
| 60 | $2,670 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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