Compare Ford Taurus Insurance Quotes [List of Money Saving Tips]
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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Table of Contents
Table of Contents
Insurance Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Farmers CSR for 4 Years
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. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Leslie Kasperowicz
Updated October 2020
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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