Best Ford Taurus Car Insurance Quotes (2024)
Ford Taurus insurance costs can be on the expensive side, with Ford Taurus insurance rates averaging at $125 a month. But you can find cheaper rates when you compare Ford Taurus insurance quotes online with this guide.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
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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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 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.
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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
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Frequently Asked Questions
What kind of coverage do I need for my Ford Taurus?
The coverage you need depends on your specific situation and state requirements. However, at a minimum, you’ll need liability insurance to cover damages or injuries you cause to others in an accident.
How much will it cost to insure my Ford Taurus?
The cost of insurance depends on many factors such as your driving record, location, age, gender, and the coverage you choose. Contact an insurance agent to get a personalized quote.
Do I need full coverage for my Ford Taurus?
Full coverage insurance is optional, but it provides additional protection for your car in case of theft or damage caused by incidents like weather or collisions.
Can I insure my Ford Taurus for less if I park it in a garage?
Insurance companies may offer lower rates for cars that are parked in a garage because they’re less likely to be stolen or damaged. Check with your provider to see if they offer such discounts.
Will my insurance rates go up if I get into an accident in my Ford Taurus?
It’s possible that your rates could go up after an accident, especially if you were at fault. However, each insurance company has its own policies and rate structures, so it’s best to contact your provider for more information.
Can I get discounts on my Ford Taurus insurance?
Insurance companies may offer discounts for factors like having a good driving record, being a safe driver, having anti-theft devices on your car, or bundling multiple policies with the same company.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.