Ford Taurus Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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Estimated insurance rates for a Ford Taurus are $1,364 a year with full coverage. Comprehensive costs approximately $280, collision insurance costs $470, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,950. Teen drivers pay the most at up to $5,164 a year.
Average premium for full coverage: $1,364
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Taurus trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Taurus range from the low end price of $508 for just liability coverage to a much higher rate of $2,950 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using 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.
Detailed Rate Analysis
The chart below details average Ford Taurus insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $792
- Drivers who choose higher $1,000 deductibles will pay $172 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,364
- Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,694
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,950
- An auto insurance policy that insures a teenage driver with full coverage can cost $5,164 a year
Auto insurance prices for a Ford Taurus also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can cost around 43% to 131% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age
Where you choose to live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,840 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles could save up to $510 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 better rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Shop around at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The following list is a brief summary of the primary concepts that were covered in the above illustrations.
- You may be able to save around $160 per year just by shopping early and online
- Drivers that tend to have accidents or serious violations may have to pay on average $1,590 more per year than a safer driver
- Increasing policy deductibles can save approximately $500 each year
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $430 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,694 |
| $250 | $1,540 |
| $500 | $1,364 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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