Ford Taurus Insurance Cost Estimate [List of Money Saving Tips]

Average car insurance rates for a Ford Taurus cost $1,496 a year, or around $125 a month. Finding Ford Taurus teenager insurance coverage can cost on average $5,468 a year, so shop around to find cheap rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jul 6, 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

When it comes to Ford Taurus car insurance rates, drivers spend $23 less per year than the average vehicle. Furthermore, good drivers can bring their Ford Taurus rates down by as much as $617 a year by earning policy discounts. Learn everything you need to know about saving on Ford Taurus rates with the information contained in this detailed article.

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 Tauruses Expensive to Insure?

The chart below details how Ford Taurus insurance rates compare to other sedans like the Chevrolet Malibu, Honda Accord, and Chevrolet Impala.

VehicleComprehensiveCollisionLiabilityTotal
Ford Taurus$344$596$398$1,496
Chevrolet Malibu$322$532$372$1,384
Honda Accord$280$500$372$1,310
Chevrolet Impala$280$532$372$1,342
Honda Civic$280$656$420$1,536
Chevrolet Blazer$376$688$316$1,516
Volkswagen Passat$332$600$390$1,480

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

Older Ford Taurus models generally cost less to insure. For example, car insurance for a 2018 Ford Taurus costs $1,496, while 2010 Ford Taurus insurance costs 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 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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Taurus car insurance with violations on their driving record.

Ford Taurus Safety Ratings

Your Ford Taurus car insurance rates are influenced by the safety ratings of the Ford Taurus. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideAcceptable
Small overlap front: passenger-sideN/R
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Ford Taurus Crash Test Ratings

Not only do good Ford Taurus crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Ford Taurus auto 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

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

The Ford Taurus’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Taurus, others are more favorable and lead to lower insurance rates.

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, 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

Save more on your Ford Taurus car insurance rates. Take a look at the following five strategies that will get you the best Ford Taurus auto insurance rates possible.

  • Bundle Your Ford Taurus Auto Insurance with Home Insurance
  • Purchase a Roadside Assistance Program for Your Ford Taurus
  • Don’t Assume your Ford Taurus is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Buy Your Ford Taurus with Cash, or Get a Shorter-Term Loan
  • Reduce Your Coverage on an Older Ford Taurus

Top Ford Taurus Insurance Companies

Who is the best auto insurance company for Ford Taurus insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Taurus auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Taurus offers.

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

Compare Free Ford Taurus Insurance Quotes Online

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

The Ford Taurus was introduced in 1985 and is still in production today. Considering the MSRP starts at $27,110, it may not be an expensive car to insure at an average of $1,100 per year.

Find out what your car insurance rates will be by entering your ZIP code above now!

Insurance costs vary widely based on many factors, including where you live and what the current trends are in your neighborhood. If your car is a high theft item then your insurance premiums are going to reflect it.

The trim options for the Taurus are as follows:

  • SE
  • SEL
  • Limited
  • SHO

The MSRPs on these base models range from $26,180 to $38,780.

If you buy the more expensive Ford Taurus SHO you can expect to pay more for car insurance than if you buy total car insurance for your Ford Taurus SE.

Total insurance or full coverage includes liability, collision, and comprehensive coverage.

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What are the ways that car insurance rates for a Ford Taurus are determined?

Your driving record is the most important factor that insurance companies look at when determining your rates for insuring a Ford Taurus.

For example, if you have a clean driving record with no at-fault accidents and no moving violations, you will most likely save money on your insurance rates. This is because a driver with a clean record is less of a risk to insurance companies and is considered a preferred driver.

Preferred drivers often get lower rates.

Another factor is the number of miles that are driven with the Ford Taurus each year. If you drive your Taurus 10,000 miles or less per year, you will pay less than if you drive a higher amount.

The more time you spend on the road, the greater the opportunity that you will have an insurance claim or a moving violation.

Younger drivers also have higher insurance rates.

This is because they have less experience driving, and are considered a higher risk than older, more experienced drivers.

Why does car insurance cost more for the 1996 Ford Taurus?

If you have a 1996 Ford Taurus you may be paying more for your car insurance premiums than if you had another model year Ford Taurus. That is because in 2002 the 1996 Ford Taurus was one of the top-ranked cars for auto theft.

Although that was over a decade ago, the Taurus remains a popular target for thieves. Out of the topmost stolen cars in 2002, the 1996 Ford Taurus ranked number nine. Anytime a car is a hot commodity for car thieves, car insurance companies raise the rates.

You can usually lower you car insurance by installing certain safety features. Depending on where you live, though, you may have very little control over the insurance rates. If you live in a high-risk neighborhood your rates will reflect it.

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How do I find the cheapest car insurance for a Ford Taurus?

The Ford Taurus is not currently on the list of the most stolen vehicles, so you may be able to get your car insurance reduced if you are still paying a higher rate. If you are paying more for your car insurance because of where you live, there may not be much you can do about it.

However, there are ways to reduce your car insurance rates.

  • If you keep your Ford Taurus in the garage you may be able to get a discount. The same is true if you keep it in a secured lot when you go to work.
  • Your Ford Taurus is most likely equipped with airbags and other safety features. Tell your insurance agent so that you can get a safety discount.
  • If your car did not come with a factory-installed alarm system, get one installed aftermarket. The cost is negligible because you will get a discount on your insurance as well as the comfort of knowing that your car is armed.
  • Having good credit and an excellent driving record can help keep your rates down.
  • You may also be able to reduce your rates just for passing a defensive driving course or getting good grades (if you are a student).

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What does total car insurance mean for a Ford Taurus?

Getting a Ford Taurus is a commitment. It is not a car that you are buying to pass the season until you can afford something better. Protect your investment with total car insurance. Total car insurance includes liability, collision, and comprehensive coverage.

There is really no package that includes all three components, although collision and comprehensive can be bundled together.

You are always going to carry liability insurance on your car so that you are not breaking the law. However, you may want to carry higher coverage limits than the state requires just to be sure you have enough coverage to protect all of your finances in the case of a lawsuit.

With a new Ford Taurus, you can buy collision car insurance to give you coverage if your car gets damaged in an accident and you are the party at fault.

Comprehensive car insurance will pay you benefits for car repairs or a car replacement per your policy for any number of non-collision related events.

What are some other ways to save money on car insurance for a Ford Taurus?

Like many of the other models of Ford vehicles, the Taurus comes with a special safety feature known as MyKey.

This gives parents the ability to set up the car with certain limitations such as controlling the maximum speed, the volume of the radio, and use of the built-in Bluetooth when their children are driving.

Since most car insurance companies charge higher premiums for policies with younger drivers, this is one way that parents can save money on rates. Another way is to ask your insurance company if there are other discounts for which you’d qualify.

For example, many insurance companies offer a good student discount. This is usually up to 5% off the total premium if there is a driver under the age of 23 on the policy that has a grade point average of “B” or higher in either high school or college.

Having two or more policies can also save money. If you have insurance coverage on a Ford Taurus, you can save money by getting another insurance policy with the same insurance company. This coverage can be for another vehicle, or even for renter’s, homeowner’s, or life insurance.

It is easy to get total car insurance for your Ford Taurus. Car insurance quotes can be compared for FREE right now just by entering your ZIP code below!

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