Ford Taurus Insurance Rates

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UPDATED: Apr 15, 2024

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Ford Taurus insurance

U.S. average insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage. Comprehensive costs approximately $268 each year, collision insurance costs $422, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,820. 16-year-old drivers pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Comprehensive $268
Collision $422
Liability $460

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Taurus models.

Price Range from Low to High

Using a 40-year-old driver as an example, Ford Taurus insurance prices range from the cheapest price of $510 for your basic liability-only policy to a high rate of $2,820 for high-risk insurance.

Liability Only $510
Full Coverage $1,308
High Risk $2,820

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $981
Small Cities $1,373
Large Cities $1,766

The ranges above show why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on rate 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.

More Rate Information

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

  • The best full coverage rate is $764
  • Using higher $1,000 deductibles will save $158 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,308
  • Buying low deductibles for physical damage coverage increases the price to $1,610
  • High-risk insureds with multiple tickets or accidents could pay around $2,820
  • The price to insure a 16-year-old driver can cost $4,978 or more

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing Ford Taurus insurance rates range from $764 to $4,978 for full coverage

Insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Taurus.

Opting for high physical damage deductibles could cut prices by as much as $460 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be from 42% to 128% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.

Ford Taurus Insurance Rates by State
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%

View Chart as Image

Ford Taurus insurance rates by U.S. city

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 $1,224 $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.

Ford Taurus Insurance Rates by Model Year
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 Shop for More Affordable Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the material that was raised in the charts and tables above.

  • Insureds who purchase increased liability limits will pay around $510 each year to increase from a low limit to a 250/500 level
  • Drivers under the age of 20 are the costliest to insure, with premiums as much as $415 a month if full coverage is included
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,510 more per year to insure a Ford Taurus
  • Increasing physical damage deductibles could save as much as $450 each year

Rates by Driver Age

Ford Taurus Insurance 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

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,610
$250 $1,470
$500 $1,308
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
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

Ford Taurus Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $764

Discounts are estimated and may not be available from every company or in every state.

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