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Online Ford Taurus Insurance Rates [Rates + Coverage Guide]

Average car insurance rates for a Ford Taurus cost $1,496 a year, or around $125 a month. You can find cheap Ford Taurus insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $879 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 2020

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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 a little less than the average vehicle, with full coverage averaging around $1,496 a year or $125 a month. Drivers of an older vehicle can choose to get liability-only which costs around $600 a year or $50 a month. Good drivers can save up to $617 a year in discounts for staying claim-free. Let’s take a 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 Infiniti Q50, Buick Regal, and Nissan Versa.

Vehicle Comprehensive Collision Liability Total
Ford Taurus $344 $596 $398 $1,496
Infiniti Q50 $344 $686 $398 $1,586
Buick Regal $306 $536 $398 $1,398
Nissan Versa $268 $542 $390 $1,358
Cadillac ATS $294 $566 $398 $1,416
Chevrolet Malibu $322 $532 $372 $1,384
Kia Optima $322 $532 $420 $1,454

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

The average Ford Taurus auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Ford Taurus cost $1,496, while 2010 Ford Taurus rates 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 Los Angeles may pay $823 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Ford Taurus car insurance. Teens and drivers in their 20’s see the highest jump in their Ford Taurus auto insurance rates with violations on their driving record.

Ford Taurus Safety Ratings

Your Ford Taurus car insurance rates are tied to the safety ratings of the Ford Taurus. 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

The crash test ratings of the Ford Taurus can impact your 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

Ford Taurus safety features can lower the cost of your insurance. The safety features for the 2020 Ford Taurus 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

Review the Ford Taurus car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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 auto insurance at the dealership, so be sure to shop around and compare Ford Taurus auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Ford Taurus Insurance

Although it may seem like your Ford Taurus car insurance rates are set, there are a few measures that you can take to secure the best Ford Taurus car insurance rates possible. Take a look at the following five ways to save on Ford Taurus auto insurance.

  • Choose Automatic Payments or EFT for Your Ford Taurus Insurance Policy
  • Tell Your Insurer How You Use Your Ford Taurus
  • Ask About Ford Taurus Discounts If You Were Listed on Someone Else’s Policy
  • Reduce Modifications on Your Ford Taurus
  • Carpool to Work Instead of Driving Your Ford Taurus

Top Ford Taurus Insurance Companies

Several top car insurance companies offer competitive rates for the Ford Taurus rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Ford Taurus drivers organized by 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

Start comparing Ford Taurus auto insurance quotes for free by using our FREE online comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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