Ford Taurus Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance prices for a Ford Taurus are $1,364 every 12 months including full coverage. Comprehensive costs around $280, collision costs $470, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,950. 16-year-old drivers receive the highest rates at $5,164 a year or more.
Average premium for full coverage: $1,364
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Taurus models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $508 for the bare minimum liability coverage to the much higher price of $2,950 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why everyone should compare rates for a specific zip code and their own driving history, 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 Rate Information
The chart below breaks down estimated Ford Taurus insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $792
- Drivers who choose higher $1,000 deductibles will pay about $172 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,364
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,694
- High risk drivers with multiple tickets or accidents could pay at least $2,950 or more
- The cost to insure a teen driver for full coverage can be $5,164 a year
Auto insurance rates for a Ford Taurus can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $510 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Ford Taurus insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,950 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different.
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 2017 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 |
|---|---|---|---|---|
| 2017 Ford Taurus | $280 | $470 | $456 | $1,364 |
| 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 Shop for the Best Ford Taurus Insurance
Saving money on Ford Taurus insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a brief recap of the data that was raised in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Drivers who may need increased liability limits will pay around $500 per year to go from a minimum limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, as much as $430 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,590 more every year to insure a Ford Taurus
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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