Ford Taurus Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated auto insurance rates for a Ford Taurus are $1,364 annually for full coverage. Comprehensive costs around $280, collision insurance costs $470, and liability is $456. A liability-only policy costs around $508 a year, and high-risk insurance costs around $2,950. Teens pay the most at up to $5,164 a year.
Average premium for full coverage: $1,364
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Taurus models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Taurus range from as cheap as $508 for a discount liability-only rate to the much higher price of $2,950 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of 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.
Rates by State, City, and Model
The chart below shows average Ford Taurus insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $792
- Raising to $1,000 deductibles will save about $172 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,364
- Selecting pricier low deductibles will cost $1,694
- At-risk drivers with serious driving violations could pay at least $2,950
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,164
Auto insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,200 in extra premium annually, depending on your age. Ford Taurus insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find prices as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $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 Buy Cheap Ford Taurus Insurance
Finding better rates on car insurance consists of being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates once a year by requesting quotes from direct carriers, and also from local independent and exclusive agents.
The following list is a brief summary of the data that was covered in the above illustrations.
- Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
- Policyholders who may need an increased level of liability coverage will pay approximately $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, as much as $430 per month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,590 more every year than a safer driver
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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