Ford Taurus Insurance Rates
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UPDATED: Jun 6, 2023
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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:
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.
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.
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
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.
| 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 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
| 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.
| 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
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.
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