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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The average auto insurance rates for a Ford Taurus are $1,308 annually with full coverage. Comprehensive costs approximately $268 each year, collision costs $422, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,820. 16-year-old drivers cost the most to insure at $4,978 a year or more.
Average premium for full coverage: $1,308
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Taurus models.
Price Range Variability
For an average driver, Ford Taurus insurance rates go from as cheap as $510 for just the minimum liability insurance to a high rate of $2,820 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The examples above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based 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 Rate Analysis
The chart below details estimated Ford Taurus insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $764
- Drivers who choose higher $1,000 deductibles will pay $158 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,308
- Buying low deductibles for comprehensive and collision insurance will cost $1,610
- Drivers with multiple tickets or accidents could pay around $2,820 or more
- Policy cost with full coverage for a 16-year-old driver can cost $4,978 a year
Auto insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $460 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,770 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted rates will be varied 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
Finding cheaper rates on insurance for a Ford Taurus not only requires having a decent driving record, but also having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a review of the concepts that were covered in the above illustrations.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,510 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $415 each month if full coverage is included
- You may be able to save around $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $450 each year
- You may be able to save around $150 per year simply by quoting online in advance
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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