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Ford Taurus Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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UPDATED: May 1, 2020

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Ford Taurus insurance

The average insurance rates for a Ford Taurus are $1,506 a year with full coverage. Comprehensive insurance costs approximately $358 each year, collision costs $600, and liability coverage is estimated at $390. Buying just liability costs approximately $452 a year, with insurance for high-risk drivers costing $3,246 or more. 16-year-old drivers cost the most to insure at $5,482 a year or more.

Average premium for full coverage: $1,506

Policy rates by type of insurance:

Comprehensive $358
Collision $600
Liability $390

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Taurus models.

Price Range Variability

For the average driver, Ford Taurus insurance rates go from the low end price of $452 for minimum levels of liability insurance to a high rate of $3,246 for a driver that may need high-risk insurance.

Liability Only $452
Full Coverage $1,506
High Risk $3,246

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $1,130
Small Cities $1,581
Large Cities $2,033

The examples above demonstrate why all drivers should get quotes using their specific location, rather than using 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.

Additional Rate Details

The chart below details estimated Ford Taurus insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $865
  • Choosing higher $1,000 deductibles can save $218 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,506
  • Buying low deductibles for comp and collision coverage will cost an additional $424 each year
  • Drivers with multiple tickets or accidents could pay around $3,246 or more
  • Policy cost that insures a teenage driver can cost $5,482 each year

View Chart as Image

Ford Taurus insurance cost comparison chart
Column chart showing full coverage Ford Taurus insurance prices range from $865 to $5,482

Insurance rates for a Ford Taurus also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or at least $2,040 on average in New York, Michigan, and Florida.

Ford Taurus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,364 -$142 -9.4%
Alaska $1,156 -$350 -23.2%
Arizona $1,252 -$254 -16.9%
Arkansas $1,506 -$0 0.0%
California $1,718 $212 14.1%
Colorado $1,440 -$66 -4.4%
Connecticut $1,550 $44 2.9%
Delaware $1,708 $202 13.4%
Florida $1,886 $380 25.2%
Georgia $1,394 -$112 -7.4%
Hawaii $1,084 -$422 -28.0%
Idaho $1,022 -$484 -32.1%
Illinois $1,124 -$382 -25.4%
Indiana $1,136 -$370 -24.6%
Iowa $1,018 -$488 -32.4%
Kansas $1,432 -$74 -4.9%
Kentucky $2,058 $552 36.7%
Louisiana $2,234 $728 48.3%
Maine $930 -$576 -38.2%
Maryland $1,244 -$262 -17.4%
Massachusetts $1,206 -$300 -19.9%
Michigan $2,622 $1,116 74.1%
Minnesota $1,262 -$244 -16.2%
Mississippi $1,806 $300 19.9%
Missouri $1,338 -$168 -11.2%
Montana $1,620 $114 7.6%
Nebraska $1,190 -$316 -21.0%
Nevada $1,808 $302 20.1%
New Hampshire $1,086 -$420 -27.9%
New Jersey $1,686 $180 12.0%
New Mexico $1,336 -$170 -11.3%
New York $1,588 $82 5.4%
North Carolina $868 -$638 -42.4%
North Dakota $1,236 -$270 -17.9%
Ohio $1,042 -$464 -30.8%
Oklahoma $1,548 $42 2.8%
Oregon $1,380 -$126 -8.4%
Pennsylvania $1,440 -$66 -4.4%
Rhode Island $2,012 $506 33.6%
South Carolina $1,368 -$138 -9.2%
South Dakota $1,272 -$234 -15.5%
Tennessee $1,322 -$184 -12.2%
Texas $1,818 $312 20.7%
Utah $1,116 -$390 -25.9%
Vermont $1,032 -$474 -31.5%
Virginia $904 -$602 -40.0%
Washington $1,166 -$340 -22.6%
West Virginia $1,384 -$122 -8.1%
Wisconsin $1,044 -$462 -30.7%
Wyoming $1,346 -$160 -10.6%

View Chart as Image

Ford Taurus insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $650 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied.

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 $1,392 $116
Ford Taurus SEL $1,436 $120
Ford Taurus SEL AWD $1,464 $122
Ford Taurus Limited $1,506 $126
Ford Taurus Limited AWD $1,550 $129
Ford Taurus SHO AWD $1,592 $133

Rates assume 2019 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 $358 $600 $390 $1,506
2018 Ford Taurus $344 $596 $398 $1,496
2017 Ford Taurus $332 $582 $416 $1,488
2016 Ford Taurus $320 $558 $430 $1,466
2015 Ford Taurus $304 $538 $442 $1,442
2014 Ford Taurus $292 $500 $452 $1,402
2013 Ford Taurus $280 $470 $456 $1,364
2012 Ford Taurus $268 $422 $460 $1,308
2011 Ford Taurus $250 $388 $460 $1,256
2010 Ford Taurus $242 $364 $464 $1,228
2009 Ford Taurus $236 $340 $474 $1,208
2008 Ford Taurus $218 $316 $474 $1,166
2007 Ford Taurus $212 $286 $478 $1,134
2006 Ford Taurus $198 $262 $474 $1,092
2005 Ford Taurus $186 $238 $474 $1,056
2004 Ford Taurus $180 $214 $468 $1,020
2003 Ford Taurus $178 $208 $460 $1,004
2002 Ford Taurus $176 $198 $452 $984
2001 Ford Taurus $160 $190 $446 $954
2000 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 cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop once a year by getting quotes from direct companies, and also from local insurance agencies.

The following is a recap of the data that was touched on above.

  • You may be able to save around $180 per year simply by quoting online in advance
  • Consumers who purchase higher liability limits will pay around $430 every year to raise limits from a 30/60 limit to the 250/500 level
  • Teens are expensive to insure, as much as $457 each month if full coverage is included
  • Drivers that have major violations or accidents may have to pay on average $1,740 more per year for Taurus insurance

Rates by Driver Age

Ford Taurus Insurance Rates by Driver Age
Driver Age Premium
16 $5,482
20 $3,452
30 $1,580
40 $1,506
50 $1,376
60 $1,348

Full coverage, $500 deductibles

Rates by Deductible

Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,930
$250 $1,736
$500 $1,506
$1,000 $1,288

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,506
50/100 $1,670
100/300 $1,768
250/500 $2,021
100 CSL $1,709
300 CSL $1,924
500 CSL $2,080

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Taurus Insurance Rates for High Risk Drivers
Age Premium
16 $7,838
20 $5,486
30 $3,326
40 $3,246
50 $3,092
60 $3,064

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 $207

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $112
5-yr Claim Free $97
Paid in Full/EFT $70
Advance Quote $75
Online Quote $108
Total Discounts $641
Rate after discounts $865

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

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