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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Average insurance prices for a Ford Taurus are $1,308 every 12 months with full coverage. Comprehensive costs around $268 each year, collision costs $422, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing around $2,820. Teens receive the highest rates at $4,978 a year or more.
Average premium for full coverage: $1,308
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Taurus models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $510 for basic liability insurance to a high rate of $2,820 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of 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.
Rate Comparisons
The chart below details estimated Ford Taurus insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $764
- Raising to $1,000 deductibles will save about $158 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,308
- Selecting low deductibles increases the price to $1,610
- At-risk drivers with serious driving violations could pay at least $2,820 or more
- The cost to insure a teen driver can be $4,978
Insurance rates for a Ford Taurus can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 128% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, and rates can be significantly different.
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 Shop for Affordable Ford Taurus Insurance
Saving money on car insurance consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the information covered above.
- You may be able to save up to $150 per year simply by quoting online in advance
- Youthful drivers are charged the highest rates, with premiums as much as $415 per month if full coverage is included
- Increasing deductibles could save as much as $450 each year
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,510 more every year than a low-risk driver
- Policyholders who may need more liability protection will pay approximately $510 every year to raise from a minimum limit to a 250/500 level
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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