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

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:

Comprehensive $280
Collision $470
Liability $456

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.

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

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.

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

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

View Chart as Image

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

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.

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 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

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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