Ford Taurus Insurance Rates

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UPDATED: Apr 15, 2024

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Ford Taurus insurance

The average insurance rates for a Ford Taurus are $1,364 a year including full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,950. Teens cost the most to insure at up to $5,164 a year.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

Comprehensive $280
Collision $470
Liability $456

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Taurus models.

Price Range Variability

For the average driver, Ford Taurus insurance rates range from the low end price of $508 for just liability insurance to a high rate of $2,950 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

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

The examples above highlight why all drivers should compare prices using their specific location, instead of making a decision based on averaged prices.

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.

More Rate Details

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

  • The cheapest rate after discounts is $792
  • Using higher $1,000 deductibles will save $172 every year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,364
  • Selecting low deductibles for physical damage coverage bumps up the cost to $1,694
  • High-risk insureds with serious driving violations could pay around $2,950
  • Policy cost that insures a 16-year-old driver can cost $5,164 or more

View Chart as Image

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

Insurance rates for a Ford Taurus also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, and Michigan.

Ford Taurus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

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 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.

Ford Taurus Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Ford Taurus $292 $500 $452 $1,402
2018 Ford Taurus $280 $470 $456 $1,364
2017 Ford Taurus $268 $422 $460 $1,308
2016 Ford Taurus $250 $388 $460 $1,256
2015 Ford Taurus $242 $364 $464 $1,228
2014 Ford Taurus $236 $340 $474 $1,208
2013 Ford Taurus $218 $316 $474 $1,166
2012 Ford Taurus $212 $286 $478 $1,134
2011 Ford Taurus $198 $262 $474 $1,092
2010 Ford Taurus $186 $238 $474 $1,056
2008 Ford Taurus $178 $208 $460 $1,004
2007 Ford Taurus $176 $198 $452 $984
2006 Ford Taurus $160 $190 $446 $954
2005 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 Cheap Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a brief summary of the car insurance concepts touched on above.

  • Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,590 more per year for Taurus insurance
  • You may be able to save around $160 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $500 each year
  • Insureds who purchase higher liability limits will pay approximately $500 per year to increase from a 30/60 limit to the 250/500 level

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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