Ford Taurus Insurance Rates

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UPDATED: Apr 15, 2024

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Ford Taurus insurance

Estimated insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage insurance. Comprehensive costs an estimated $280 each year, collision insurance costs $470, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $2,950. Teens pay the most at up to $5,164 a year.

Average premium for full coverage: $1,364

Premium estimates broken down by type of coverage:

Comprehensive $280
Collision $470
Liability $456

Rate estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Taurus models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Ford Taurus range from the cheapest price of $508 for a discount liability-only rate to a high rate of $2,950 for high-risk insurance.

Liability Only $508
Full Coverage $1,364
High Risk $2,950

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

These rate differences illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on 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.

Rates by State, City, and Model

The chart below illustrates average Ford Taurus insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $792
  • Choosing higher $1,000 deductibles can save approximately $172 each year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,364
  • Selecting low deductibles for comp and collision coverage increases the price to $1,694
  • High-risk insureds with serious driving violations could pay up to $2,950
  • An auto insurance policy to insure a teen driver can cost as much as $5,164 each year

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing Ford Taurus insurance rates range from $792 to $5,164 for full coverage

Insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,840 on average in Florida, New York, and Michigan.

Ford Taurus Insurance Rates by State
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%

View Chart as Image

Ford Taurus insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Ford Taurus Insurance Rates by Model and Trim Level
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.

Ford Taurus Insurance Rates by Model Year
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 Shop for the Best Ford Taurus Insurance

Finding better rates on Ford Taurus insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the material that was touched on above.

  • Drivers who want higher liability limits will pay approximately $500 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Teens are charged the highest prices, with premiums being up to $430 per month if they have full coverage
  • High-risk drivers who tend to receive serious violations could be forced to pay on average $1,590 more annually for Taurus insurance
  • Increasing policy deductibles could save as much as $500 each year

Rates by Driver Age

Ford Taurus Insurance 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

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,540
$500 $1,364
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
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

Ford Taurus Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $792

Discounts are estimated and may not be available from every company or in every state.

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