Ford Taurus Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Ford Taurus insurance

U.S. average insurance prices for a Ford Taurus are $1,364 every 12 months including full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $470, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs $2,950 or more. 16-year-old drivers pay the highest rates at up to $5,164 a year.

Average premium for full coverage: $1,364

Price estimates for individual coverage:

Comprehensive $280
Collision $470
Liability $456

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Taurus models.

Price Range from Low to High

Using a middle-aged driver as an example, Ford Taurus insurance prices range from the cheapest price of $508 for liability-only coverage to a high rate of $2,950 for high-risk insurance.

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

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects auto insurance rates.

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

The ranges above highlight why all drivers should compare rates for a specific zip code and their own driving history, rather than using 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 Charts and Tables

The chart below breaks down average 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 the average middle-age driver using $500 deductibles is $1,364
  • Buying low deductibles for comprehensive and collision insurance costs an extra $330 each year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,950
  • The price to insure a teenage driver can be $5,164 a year

View Chart as Image

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

Car insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could save up to $510 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

The state you live in 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.

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 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.

Ford Taurus Insurance Rates by Model Year
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

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the material that was touched on in the above illustrations.

  • Consumers who may need more liability coverage will pay around $500 per year to go from a low limit to a 250/500 level
  • Teen drivers are the costliest to insure, possibly costing $430 a month if the policy includes full coverage
  • Drivers who tend to receive serious violations could be forced to pay on average $1,590 more every year to insure their Taurus
  • Increasing physical damage 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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