Ford Taurus Auto Insurance (2024)
If you want to buy affordable Ford Taurus insurance coverage then you should know that a policy will cost $125 per month ($1,496 per year) on average. On average, Ford Taurus comprehensive insurance coverage costs $364, collision coverage costs $532, and liability coverage costs $422.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,496 a year or $125 each month
- A liability-only policy costs around $600 a year or $50 each month
- Highest rates are for teenage drivers at around $5,468 a year or $456 each month
- Good drivers can save as much as $617 a year by earning policy discounts
- Ford Taurus insurance costs around $23 less per year than the average vehicle
Ford Taurus insurance rates are about $23 less than the average vehicle, with full coverage coming in at around $1,496 a year or $125 a month. Good drivers can save up to $617 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Ford Taurus insurance rates, crash test ratings, and more.
You can start comparing quotes for Ford Taurus car insurance rates from some of the best car insurance companies by using our free online tool now.
Ford Taurus Insurance Cost
The average auto insurance rates for a Ford Taurus cost $1,496 a year or $125 a month.
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Are Ford Tauruss Expensive to Insure?
The chart below details how Ford Taurus insurance rates compare to other sedans like the Toyota Avalon, Chevrolet Blazer, and Chevrolet Impala.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Toyota Avalon | $320 | $536 | $338 | $1,330 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| Chevrolet Impala | $280 | $532 | $372 | $1,342 |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Taurus Insurance?
The Ford Taurus trim and model you choose can impact the total price you will pay for Ford Taurus insurance coverage.
Age of the Vehicle
Older Ford Taurus models generally cost less to insure. For example, car insurance for a 2018 Ford Taurus costs $1,496, while 2010 Ford Taurus insurance costs are $1,228, a difference of $268.
| Model Year | Comprehensive | Collision | Liability | Total |
| 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 |
Driver Age
Driver age can have a significant impact on Ford Taurus auto insurance rates. For example, 20-year-old drivers pay approximately $1,829 more each year for their Ford Taurus auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Ford Taurus insurance rates. For example, drivers in Houston may pay $1,102 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on the cost of Ford Taurus auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Taurus car insurance with violations on their driving record.
Ford Taurus Safety Ratings
Your Ford Taurus auto insurance rates are tied to the Ford Taurus’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Ford Taurus Crash Test Ratings
Good Ford Taurus crash test ratings mean the VW is safer, which could mean cheaper Ford Taurus car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Ford Taurus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Taurus 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Taurus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Taurus 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Taurus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Taurus 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Taurus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Taurus 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Taurus Safety Features
The Ford Taurus safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Ford Taurus auto insurance rates. The Ford Taurus’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Child Safety Locks
- Traction Control
Ford Taurus Insurance Loss Probability
The Ford Taurus’s insurance loss probability varies between different coverage types. The lower percentage means lower Ford Taurus auto insurance costs; higher percentages mean higher Ford Taurus auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | 9% |
|---|---|
| Property Damage | -12% |
| Comprehensive | 34% |
| Personal Injury | 15% |
| Medical Payment | 15% |
| Bodily Injury | 1% |
| Source: Insurance Institute for Highway Safety | |
Ford Taurus Finance and Insurance Cost
If you are financing a Ford Taurus, you will pay more if you purchase Ford Taurus car insurance at the dealership, so be sure to shop around and compare Ford Taurus car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Ford Taurus Insurance
You have more options at your disposal to save money on your Ford Taurus auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Taurus car insurance rates
- Ask Your Insurance Company About Ford Taurus Discounts
- Reduce Modifications on Your Ford Taurus
- Audit Your Ford Taurus Driving When You Move to a New Location or Start a New Job
- Spy on Your Teen Driver
- Re-Check Ford Taurus Quotes Every 6 Months
Top Ford Taurus Insurance Companies
The best auto insurance companies for Ford Taurus car insurance rates will offer competitive rates, discounts, and account for the Ford Taurus’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Ford Taurus Insurance Quotes Online
You can start comparing quotes for Ford Taurus auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
How does the model and year of my Ford Taurus affect my auto insurance rates?
The model and year of your Ford Taurus can impact your auto insurance rates. Typically, newer models tend to have higher insurance premiums due to the cost of repairs and replacement parts. Additionally, certain features or trim levels of the Ford Taurus may affect the rates as well. It’s best to check with insurance providers to understand how the specific model and year of your Taurus can influence your premiums.
Are there any safety features in the Ford Taurus that can help lower my insurance rates?
Yes, many safety features in the Ford Taurus may help reduce your auto insurance rates. Some common safety features that insurers consider include anti-lock brakes (ABS), airbags, traction control, electronic stability control, and collision warning systems. These features can reduce the risk of accidents and injuries, which may result in lower insurance premiums. Consult with your insurance provider to see which safety features in your Ford Taurus qualify for potential discounts.
What factors other than the car itself can affect my Ford Taurus auto insurance rates?
Several factors beyond the vehicle itself can impact your Ford Taurus auto insurance rates. Some common factors include your driving record, age, gender, location, annual mileage, credit history, and the coverage options you choose. Insurance companies assess these variables to determine the level of risk associated with insuring you and your vehicle. It’s advisable to compare quotes from multiple insurers to find the most competitive rates based on your individual circumstances.
Does the color of my Ford Taurus affect my insurance rates?
No, the color of your Ford Taurus does not typically affect your auto insurance rates. Insurers primarily consider factors like the model, year, engine size, safety features, and your personal details. The color of your vehicle does not directly impact its safety or insurability. However, it’s important to provide accurate information about your Ford Taurus, including its color, when obtaining insurance quotes.
Can I get discounts on my Ford Taurus auto insurance?
Yes, you may be eligible for various discounts on your Ford Taurus auto insurance. Insurance companies often offer discounts for factors such as having multiple policies with the same insurer, having a good driving record, completing a defensive driving course, being a safe driver, having certain safety features installed in your vehicle, or maintaining low annual mileage. Contact your insurance provider to inquire about the specific discounts available for your Ford Taurus.
Is it necessary to have comprehensive and collision coverage for my Ford Taurus?
The need for comprehensive and collision coverage for your Ford Taurus depends on various factors, including the value of your vehicle and your personal preferences. Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage covers damages from accidents involving other vehicles or objects. If you have a newer or more expensive Ford Taurus, these coverages may be beneficial. However, if your vehicle has a lower value, you may consider the cost of coverage against the potential payout. Evaluate your situation and consult with your insurance provider to determine the coverage options that suit your needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.