What is the Best Car Insurance for a Ford Taurus?

If you want to buy inexpensive Ford Taurus insurance coverage then you should know that a policy will cost $125 per month ($1,496 per year) on average. You can find cheap Ford Taurus insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $879 a year.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 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

Don’t let Ford Taurus insurance rates ruin your budget. Good drivers can save as much as $617 a year by earning policy discounts. Keep reading to learn more about insurance rate savings for a Ford Taurus.

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 Ford Taurus car insurance costs are $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 Audi S3, Ford Focus, and Toyota Corolla.

Vehicle Comprehensive Collision Liability Total
Ford Taurus $344 $596 $398 $1,496
Audi S3 $356 $744 $264 $1,474
Ford Focus $244 $536 $398 $1,336
Toyota Corolla $294 $542 $390 $1,384
Audi S4 $370 $744 $338 $1,588
Subaru WRX $320 $566 $338 $1,360
Lincoln MKZ $320 $686 $450 $1,636
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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, car insurance for a 2018 Ford Taurus costs $1,496, while a 2010 Ford Taurus insurance costs 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
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Driver Age

Driver age can have a significant effect on Ford Taurus car insurance rates. For example, 30-year-old drivers pay $66 more for Ford Taurus car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Taurus insurance rates. For example, drivers in Phoenix may pay $823 a year less than drivers in Los Angeles.

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 car insurance with violations on their driving record.

Ford Taurus Safety Ratings

Your Ford Taurus auto insurance rates are influenced by the Ford Taurus’s safety ratings. 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
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Ford Taurus Crash Test Ratings

Ford Taurus crash test ratings will affect 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
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Ford Taurus Safety Features

Having a variety of safety features on your Ford Taurus can help lower your insurance costs. The 2020 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 car insurance rates; higher percentages mean higher Ford Taurus auto insurance rates. Insurance loss probability on the Ford Taurus fluctuates between each type 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
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Ford Taurus Finance and Insurance Cost

When 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 car insurance rates 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.

  • Compare Ford Taurus Quotes Online
  • Ask About Ford Taurus Discounts If You Were Listed on Someone Else’s Policy
  • Ask About Seasonal Insurance for Your Ford Taurus
  • Compare Insurance Companies After Moving
  • Consider Ford Taurus Insurance Costs Before Buying a Ford Taurus

Top Ford Taurus Insurance Companies

Who is the top 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.

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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Compare Free Ford Taurus Insurance Quotes Online

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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
5
5
5
5

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Optional

Land Departure Prevention

Optional

Blind Spot Detection

Optional

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