Compare Ford Taurus Insurance Quotes [List of Money Saving Tips]

Ford Taurus insurance rated cost $125 per month ($1,496 per year) on average. On average, comprehensive coverage costs $364, collision coverage costs $532, and liability coverage costs $422 for Ford Taurus insurance.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 27, 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 cost $50 per month for liability-only coverage. Full coverage costs $75 more, but teen drivers could pay up to $456 per month. Continue reading to learn how to lower Ford Taurus insurance rates.

You can start comparing quotes for Ford Taurus insurance rates from some of the best auto insurance companies by using our free online tool now.

Ford Taurus Insurance Cost

The average Ford Taurus insurance rates are $1,496 a year or $125 a month.


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Is Ford Taurus Expensive to Insure?

The chart below details how Ford Taurus insurance rates compare to other sedans like the Lincoln MKZ, Infiniti Q50, and Toyota Avalon.

VehicleComprehensiveCollisionLiabilityTotal
Ford Taurus$344$596$398$1,496
Lincoln MKZ$320$686$450$1,636
Infiniti Q50$344$686$398$1,586
Toyota Avalon$320$536$338$1,330
Nissan Versa$268$542$390$1,358
Chevrolet Cruze$308$594$372$1,432
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 will affect 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, auto insurance rates for a 2018 Ford Taurus are $1,496, while the 2010 Ford Taurus rates are $1,228, a difference of $268.

Model YearComprehensiveCollisionLiabilityTotal
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 effect on Ford Taurus insurance rates. For example, 20-year-old drivers pay $1,829 more for their Ford Taurus auto insurance each year 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 $214 a year more than drivers in Houston.

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 auto 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 TypeRating
Small overlap front: driver-sideA
Small overlap front: passenger-sideNot Tested
Moderate overlap frontG
SideG
Roof strengthG
Head restraints and seatsG
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 insurance rates.

Vehicle TestedOverallFrontalSideRollover
2019 Ford Taurus 4 DR FWD5 stars5 stars5 stars4 stars
2019 Ford Taurus 4 DR AWD5 stars5 stars5 stars4 stars
2018 Ford Taurus 4 DR FWD5 stars5 stars5 stars4 stars
2018 Ford Taurus 4 DR AWD5 stars5 stars5 stars4 stars
2017 Ford Taurus 4 DR FWD5 stars5 stars5 stars4 stars
2017 Ford Taurus 4 DR AWD5 stars5 stars5 stars4 stars
2016 Ford Taurus 4 DR FWD5 stars5 stars5 stars4 stars
2016 Ford Taurus 4 DR AWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Taurus Safety Features

The more safety features you have on your Ford Taurus, the more likely it is that you can earn a discount. 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 lower percentage means lower Ford Taurus auto insurance rates; higher percentages mean higher Ford Taurus insurance rates. The Ford Taurus’s insurance loss probability varies for each form of coverage.

Insurance Coverage CategoryLoss Rate
Collision9%
Property Damage-12%
Comprehensive34%
Personal Injury15%
Medical Payment15%
Bodily Injury1%
Source: Insurance Institute for Highway Safety

Ford Taurus Finance and Insurance Cost

If you are financing a Ford Taurus, most lenders will require your carry higher Ford Taurus coverage options including comprehensive coverage, so be sure to shop around and compare Ford Taurus auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Ford Taurus Insurance

You can save more money on your Ford Taurus auto insurance rates by employing any of the following five strategies.

  • Remove Unnecessary Insurance Once Your Ford Taurus is Paid Off
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Ford Taurus
  • Ask About Discounts for People with Disabilities
  • Buy a Ford Taurus with an Anti-Theft Device
  • Talk to Your Credit Card Company to Save on Rental Car Costs

Top Ford Taurus Insurance Companies

The best auto insurance companies for Ford Taurus insurance rates will offer competitive rates, discounts, and account for the Ford Taurus’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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