Ford Taurus Insurance Rates
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UPDATED: Jun 4, 2023
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Average insurance rates for a Ford Taurus are $1,364 a year for full coverage insurance. Comprehensive costs around $280 each year, collision insurance costs $470, and liability coverage is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs around $2,950. Teen drivers receive the highest rates at up to $5,164 a year.
Average premium for full coverage: $1,364
Rate estimates for individual coverage type:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Taurus models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $508 for the bare minimum liability coverage to a high rate of $2,950 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, 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.
Additional Rate Information
The chart below illustrates average Ford Taurus insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $792
- Raising to $1,000 deductibles will save about $172 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,364
- Choosing low deductibles will increase the cost to $1,694
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,950
- The cost for full coverage for a teenage driver can be $5,164
Auto insurance rates for a Ford Taurus can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age
Where you live also has a big influence on Ford Taurus insurance rates. A middle-age driver might find rates as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,840 on average in Michigan, New York, 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 can reduce rates by up to $510 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates
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 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 | $280 | $470 | $456 | $1,364 |
| 2015 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2014 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2013 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2012 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2011 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2010 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2008 Ford Taurus | $180 | $214 | $468 | $1,020 |
| 2007 Ford Taurus | $178 | $208 | $460 | $1,004 |
| 2006 Ford Taurus | $176 | $198 | $452 | $984 |
| 2005 Ford Taurus | $160 | $190 | $446 | $954 |
| 2004 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 the Cheapest Ford Taurus Insurance
Saving money on auto insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a recap of the ideas that were raised in the charts and tables above.
- Youthful drivers are expensive to insure, costing up to $430 per month if they have full coverage
- Drivers that have major violations or accidents may pay on average $1,590 more every year than a low-risk driver
- Increasing deductibles can save around $500 each year
- It is possible to save up to $160 per year just by quoting online in advance
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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