Ford Taurus Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 15, 2024
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U.S. average insurance rates for a Ford Taurus are $1,364 a year for full coverage insurance. Comprehensive costs on average $280, collision insurance costs $470, and liability is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs around $2,950. Teenage drivers pay the highest rates at up to $5,164 a year.
Average premium for full coverage: $1,364
Price estimates by individual coverage:
Price estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 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 range from the low end price of $508 for just liability insurance to the much higher price of $2,950 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why everyone should get quotes based on a specific location, instead of using average rates.
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 illustrates average Ford Taurus insurance rates for different risk profiles and scenarios.
- The best discount rate is $792
- Choosing higher $1,000 deductibles can save around $172 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,364
- Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,694
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,950
- The price that insures a teen driver for full coverage may cost $5,164 each year
Insurance prices for a Ford Taurus are also quite variable based on the model of your Taurus, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Ford Taurus insurance for high-risk drivers ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Ford Taurus insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,840 on average in Michigan, New York, 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% |
Using high physical damage deductibles can save as much as $510 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
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 Find Cheaper Ford Taurus Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following is a condensed summary of the data raised in the charts and tables above.
- Policyholders who require higher liability limits will pay an extra $500 annually to raise limits from a low limit to the 250/500 level
- It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $500 each year
- Teens pay the highest prices, as much as $430 a month if full coverage is included
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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