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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Average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage insurance. Comprehensive costs around $268 each year, collision costs $422, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,820. Teens receive the highest rates at $4,978 a year or more.
Average premium for full coverage: $1,308
Rate estimates for individual coverage type:
Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Taurus models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $510 for liability-only coverage to a high rate of $2,820 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using 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.
Additional Charts and Tables
The chart below illustrates estimated Ford Taurus insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $764
- Using higher $1,000 deductibles will save about $158 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,308
- Selecting low deductibles for physical damage coverage will cost $1,610
- Higher-risk drivers with serious driving violations could pay at least $2,820 or more
- The cost with full coverage for a teenage driver can be $4,978 or more
Insurance rates for a Ford Taurus can also vary considerably based on the trim level of your Taurus, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,770 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$126 | -9.6% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,490 | $182 | 13.9% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,346 | $38 | 2.9% |
| Delaware | $1,480 | $172 | 13.1% |
| Florida | $1,636 | $328 | 25.1% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $938 | -$370 | -28.3% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $974 | -$334 | -25.5% |
| Indiana | $984 | -$324 | -24.8% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,242 | -$66 | -5.0% |
| Kentucky | $1,786 | $478 | 36.5% |
| Louisiana | $1,936 | $628 | 48.0% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,080 | -$228 | -17.4% |
| Massachusetts | $1,046 | -$262 | -20.0% |
| Michigan | $2,272 | $964 | 73.7% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,406 | $98 | 7.5% |
| Nebraska | $1,032 | -$276 | -21.1% |
| Nevada | $1,570 | $262 | 20.0% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,464 | $156 | 11.9% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $752 | -$556 | -42.5% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $904 | -$404 | -30.9% |
| Oklahoma | $1,344 | $36 | 2.8% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,746 | $438 | 33.5% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,144 | -$164 | -12.5% |
| Texas | $1,578 | $270 | 20.6% |
| Utah | $968 | -$340 | -26.0% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $782 | -$526 | -40.2% |
| Washington | $1,014 | -$294 | -22.5% |
| West Virginia | $1,198 | -$110 | -8.4% |
| Wisconsin | $906 | -$402 | -30.7% |
| Wyoming | $1,166 | -$142 | -10.9% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Taurus SE | $1,224 | $102 |
| Ford Taurus SEL | $1,256 | $105 |
| Ford Taurus SEL AWD | $1,276 | $106 |
| Ford Taurus Limited | $1,308 | $109 |
| Ford Taurus Limited AWD | $1,338 | $112 |
| Ford Taurus SHO AWD | $1,370 | $114 |
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 | $280 | $470 | $456 | $1,364 |
| 2018 Ford Taurus | $268 | $422 | $460 | $1,308 |
| 2017 Ford Taurus | $250 | $388 | $460 | $1,256 |
| 2016 Ford Taurus | $242 | $364 | $464 | $1,228 |
| 2015 Ford Taurus | $236 | $340 | $474 | $1,208 |
| 2014 Ford Taurus | $218 | $316 | $474 | $1,166 |
| 2013 Ford Taurus | $212 | $286 | $478 | $1,134 |
| 2012 Ford Taurus | $198 | $262 | $474 | $1,092 |
| 2011 Ford Taurus | $186 | $238 | $474 | $1,056 |
| 2010 Ford Taurus | $180 | $214 | $468 | $1,020 |
| 2008 Ford Taurus | $176 | $198 | $452 | $984 |
| 2007 Ford Taurus | $160 | $190 | $446 | $954 |
| 2006 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 Buy Cheaper Ford Taurus Insurance
Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at least once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a condensed summary of the primary concepts that were covered above.
- It is possible to save up to $150 per year simply by quoting online in advance
- Drivers with multiple at-fault accidents pay on average $1,510 more every year for auto insurance
- Increasing deductibles could save up to $450 each year
- Teenage drivers pay higher rates, costing up to $415 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,978 |
| 20 | $2,996 |
| 30 | $1,352 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,610 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,074 |
| 20 | $4,772 |
| 30 | $2,872 |
| 40 | $2,820 |
| 50 | $2,694 |
| 60 | $2,670 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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