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...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Ford Taurus insurance

Estimated insurance rates for a Ford Taurus are $1,402 a year including full coverage. Comprehensive insurance costs approximately $292, collision costs $500, and liability coverage costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing $3,030 or more. Teenage drivers pay the most at $5,274 a year or more.

Average premium for full coverage: $1,402

Premium estimates by type of coverage:

Comprehensive $292
Collision $500
Liability $452

Estimates include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Ford Taurus go from as low as $504 for liability-only coverage to the much higher price of $3,030 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,402
High Risk $3,030

Insurance Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

These rate differences highlight why everyone should compare prices using their specific location and risk profile, rather than 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.

Additional Charts and Tables

The chart below breaks down estimated Ford Taurus insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $810
  • Using higher $1,000 deductibles will save $180 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,402
  • Using pricier low deductibles for physical damage coverage will cost an extra $346 each year
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,030 or more
  • An auto insurance policy for full coverage for a teenage driver for full coverage can cost $5,274 or more

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing full coverage Ford Taurus insurance prices range from $810 to $5,274

Car insurance prices for a Ford Taurus also have a wide range based on your driving characteristics, the model of your Taurus, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,000 on average in Louisiana, New York, and Michigan.

Ford Taurus Insurance Rates by State
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%

View Chart as Image

Ford Taurus insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $530 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers can be around 44% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

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 $1,304 $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 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 $292 $500 $452 $1,402
2015 Ford Taurus $268 $422 $460 $1,308
2014 Ford Taurus $250 $388 $460 $1,256
2013 Ford Taurus $242 $364 $464 $1,228
2012 Ford Taurus $236 $340 $474 $1,208
2011 Ford Taurus $218 $316 $474 $1,166
2010 Ford Taurus $212 $286 $478 $1,134
2008 Ford Taurus $186 $238 $474 $1,056
2007 Ford Taurus $180 $214 $468 $1,020
2006 Ford Taurus $178 $208 $460 $1,004
2005 Ford Taurus $176 $198 $452 $984
2004 Ford Taurus $160 $190 $446 $954
2003 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 Low Cost Ford Taurus Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and avoiding coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the primary concepts that were touched on in the above illustrations.

  • You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,630 more per year for Taurus insurance
  • Increasing policy deductibles can save around $525 each year
  • Teens pay the highest auto insurance prices, with the cost nearing $440 per month if full coverage is included

Rates by Driver Age

Ford Taurus Insurance 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

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,586
$500 $1,402
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
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

Ford Taurus Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $810

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

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