Ford Taurus Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Ford Taurus are $1,364 a year for full coverage. Comprehensive insurance costs on average $280 a year, collision costs $470, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $2,950 or more. Teen drivers pay the most at $5,164 a year or more.
Average premium for full coverage: $1,364
Premium estimates by type of coverage:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Taurus trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Taurus go from the low end price of $508 for liability-only coverage to a high of $2,950 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas.
The diagram below illustrates the effect of geographic area on car insurance rates.
These rate differences show why it is important to get quotes based on a specific location, instead of 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 Charts and Tables
The chart below shows estimated Ford Taurus insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $792
- Choosing higher $1,000 deductibles can save around $1,192 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,364
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $330 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,950 or more
- An auto insurance policy that insures a teen driver may cost $5,164 each year
Auto insurance prices for a Ford Taurus also have a wide range based on the trim level of your Taurus, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually 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 upwards of $5,100 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford Taurus insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.
| 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 save as much as $510 every year, while buying higher liability limits will cost you more. Going 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
With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.
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
Finding better rates on car insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around every other policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a recap of the ideas that were covered in the above illustrations.
- Teen drivers are charged the highest prices, as much as $430 per month if the policy includes full coverage
- Higher risk drivers that have major violations or accidents may pay on average $1,590 more each year to insure their Taurus
- Increasing policy deductibles can save approximately $500 each year
- Drivers can save as much as $160 per year simply by quoting early and online
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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