Affordable Ford Taurus Auto Insurance Quotes (2024)
Ford Taurus insurance quotes average at $125 per month, but 2002 Ford Taurus insurance costs much less than coverage for a 2020 model. Start comparing Ford Taurus insurance rates online so you can find the best price no matter which year you drive. You can save even more money on your Ford Taurus insurance coverage when you buy a Taurus with an anti-theft device.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Nov 27, 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 insurance industry 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: Nov 27, 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 insurance industry 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.
On This Page
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.
| Vehicle | Comprehensive | Collision | Liability | Total |
| 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 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 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 Type | Rating |
| Small overlap front: driver-side | A |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| 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 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 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 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, 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.
| 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 | |||
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Frequently Asked Questions
How can I find affordable auto insurance quotes for my Ford Taurus?
To find affordable insurance quotes for your Ford Taurus, you can start by shopping around and comparing rates from different insurance providers. You can do this by contacting insurance companies directly, using online comparison tools, or working with an independent insurance agent who can help you find the best rates.
What factors affect the cost of Ford Taurus auto insurance?
Several factors can impact the cost of auto insurance for your Ford Taurus. Some common factors include your age, driving record, location, coverage options, deductibles, and the model year and value of your Ford Taurus. Additionally, factors such as your credit score, annual mileage, and the safety features installed in your vehicle can also influence insurance rates.
Are there any specific safety features that can help lower Ford Taurus insurance premiums?
Yes, certain safety features in your Ford Taurus can potentially lower your insurance premiums. Features such as anti-lock brakes, airbags, anti-theft systems, lane departure warning, forward collision warning, and adaptive cruise control are generally considered safety enhancements that may make you eligible for discounts with some insurance providers. It’s best to check with your insurance company to see which safety features can help lower your premiums.
Can I get a discount on Ford Taurus insurance if I have a good driving record?
Yes, having a good driving record can often lead to lower insurance premiums for your Ford Taurus. Insurance companies typically offer discounts to drivers who have a clean driving history with no accidents or traffic violations. Maintaining a safe driving record can demonstrate to insurers that you are a responsible driver and may qualify you for lower rates.
What are some other ways to save money on Ford Taurus auto insurance?
In addition to maintaining a good driving record, there are several other ways you can save money on your Ford Taurus auto insurance. These include bundling your auto insurance with other policies, such as homeowners or renters insurance, taking advantage of available discounts (e.g., multi-car, safe driver, or low-mileage discounts), raising your deductibles, and considering usage-based insurance programs that monitor your driving habits to potentially qualify for lower rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
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.