Ford Taurus Insurance Rates
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UPDATED: Jun 6, 2023
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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:
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.
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.
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
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.
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% |
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 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
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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