Ford Taurus Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Ford Taurus insurance

The average insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage. Comprehensive insurance costs around $280, collision insurance costs $470, and liability is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $2,950 or more. Teenage drivers cost the most to insure at up to $5,164 a year.

Average premium for full coverage: $1,364

Policy rates for type of insurance:

Comprehensive $280
Collision $470
Liability $456

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Taurus trim levels.

Price Range Variability

For a 40-year-old driver, Ford Taurus insurance rates range from the cheapest price of $508 for just liability insurance to a much higher rate of $2,950 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,364
High Risk $2,950

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using average rates.

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 Details

The chart below shows average Ford Taurus insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $792
  • Choosing higher $1,000 deductibles can save about $172 a year
  • The average price for a good driver age 40 using $500 deductibles is $1,364
  • Using more expensive low deductibles for comp and collision coverage costs an extra $330 every year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,950
  • Policy cost to insure a teen driver with full coverage can be $5,164 each year

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing Ford Taurus insurance prices range from $792 to $5,164 for full coverage

Insurance rates for a Ford Taurus also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $510 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state 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 be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.

Ford Taurus Insurance Rates by State
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%

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 $1,274 $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.

Ford Taurus Insurance Rates by Model Year
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 Shop for the Best Ford Taurus Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a brief recap of the information illustrated above.

  • Drivers can save up to $160 per year just by shopping early and online
  • 16 to 18-year-old drivers pay higher rates, costing up to $430 each month if they have full coverage
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • Higher risk drivers who tend to receive serious violations may pay on average $1,590 more every year than a driver with a clean driving record
  • Policyholders who may need additional liability coverage will pay an extra $500 each year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Ford Taurus Insurance 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

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,540
$500 $1,364
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
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

Ford Taurus Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $792

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

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