Ford Taurus Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Ford Taurus are $1,402 a year for full coverage. Comprehensive costs approximately $292 a year, collision insurance costs $500, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $3,030. Teenage drivers receive the highest rates at up to $5,274 a year.
Average premium for full coverage: $1,402
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Taurus trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $504 for basic liability insurance to a high of $3,030 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.
These examples show why it is important to compare rates using their specific location, instead of making a decision based on 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.
Rate Comparisons
The chart below shows average Ford Taurus insurance rates for additional coverage and risk scenarios.
- The best discount rate is $810
- Drivers who choose higher $1,000 deductibles will pay $1,222 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,402
- Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,748
- Drivers who are prone to accidents and violations could pay around $3,030
- The cost that insures a 16-year-old driver can cost $5,274 a year
Insurance rates for a Ford Taurus can also vary considerably based on the trim level of your Taurus, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age
Where you live makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,074 | -$328 | -23.4% |
| Arizona | $1,162 | -$240 | -17.1% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,594 | $192 | 13.7% |
| Colorado | $1,336 | -$66 | -4.7% |
| Connecticut | $1,440 | $38 | 2.7% |
| Delaware | $1,584 | $182 | 13.0% |
| Florida | $1,752 | $350 | 25.0% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,006 | -$396 | -28.2% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,054 | -$348 | -24.8% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,910 | $508 | 36.2% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $864 | -$538 | -38.4% |
| Maryland | $1,154 | -$248 | -17.7% |
| Massachusetts | $1,120 | -$282 | -20.1% |
| Michigan | $2,432 | $1,030 | 73.5% |
| Minnesota | $1,172 | -$230 | -16.4% |
| Mississippi | $1,678 | $276 | 19.7% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,504 | $102 | 7.3% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,680 | $278 | 19.8% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,566 | $164 | 11.7% |
| New Mexico | $1,240 | -$162 | -11.6% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,146 | -$256 | -18.3% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,438 | $36 | 2.6% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$66 | -4.7% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,268 | -$134 | -9.6% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,226 | -$176 | -12.6% |
| Texas | $1,690 | $288 | 20.5% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $960 | -$442 | -31.5% |
| Virginia | $838 | -$564 | -40.2% |
| Washington | $1,084 | -$318 | -22.7% |
| West Virginia | $1,284 | -$118 | -8.4% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,248 | -$154 | -11.0% |
Using high physical damage deductibles could save up to $530 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 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 | $1,304 | $109 |
| Ford Taurus SEL | $1,342 | $112 |
| Ford Taurus SEL AWD | $1,366 | $114 |
| Ford Taurus Limited | $1,402 | $117 |
| Ford Taurus Limited AWD | $1,436 | $120 |
| Ford Taurus SHO AWD | $1,470 | $123 |
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 | $304 | $538 | $442 | $1,442 |
| 2018 Ford Taurus | $292 | $500 | $452 | $1,402 |
| 2017 Ford Taurus | $280 | $470 | $456 | $1,364 |
| 2016 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 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 Find Affordable Ford Taurus Insurance
Saving money on insurance for a Ford Taurus not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a brief review of the coverage data presented in the illustrations above.
- Drivers can save around $170 per year just by quoting early and online
- Increasing deductibles can save approximately $525 each year
- Drivers age 16 to 20 are expensive to insure, costing as high as $440 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,630 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,274 |
| 20 | $3,224 |
| 30 | $1,454 |
| 40 | $1,402 |
| 50 | $1,280 |
| 60 | $1,256 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,586 |
| $500 | $1,402 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,560 |
| 100/300 | $1,673 |
| 250/500 | $1,967 |
| 100 CSL | $1,606 |
| 300 CSL | $1,854 |
| 500 CSL | $2,035 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,518 |
| 20 | $5,134 |
| 30 | $3,090 |
| 40 | $3,030 |
| 50 | $2,894 |
| 60 | $2,866 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $100 |
| Total Discounts | $592 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
