Ford Taurus Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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Ford Taurus insurance

Average insurance rates for a Ford Taurus are $1,402 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $500, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $3,030. Teen drivers receive the highest rates at $5,274 a year or more.

Average premium for full coverage: $1,402

Rate estimates by individual coverage type:

Comprehensive $292
Collision $500
Liability $452

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Taurus trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $3,030 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Ford Taurus insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $810
  • Drivers who choose higher $1,000 deductibles will pay around $1,222 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,402
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,748
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,030 or more
  • The cost for full coverage for a teen driver may cost $5,274 a year

View Chart as Image

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

for a Ford Taurus can also vary considerably based on your driver profile, the trim level of your Taurus, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $530 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly 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 Cheaper Ford Taurus Insurance

Saving money on Ford Taurus insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $440 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,630 more each year for insurance

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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