Ford Taurus Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ford Taurus is cheaper to insure compared to the average car.

• Liability insurance for a Taurus runs around $80 per month, while full coverage usually comes in at about $151 monthly.

• At sometimes as low as $32 a month for liability only coverage, Hugo is the most affordable auto insurance company for a Taurus.

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Taurus Overview

Coming in with a base MSRP of $27,800 for 2019 models, the Ford Taurus is a great budget-friendly option for any driver. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a wise budget option when thinking about your car insurance costs.

Based on thousands of insurance quotes from Compare.com, we've found that average Ford Taurus auto insurance premiums run around $171 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Ford Taurus?

Looking at the table above, you can see that Ford Taurus insurance rates are less expensive than average compared to other vehicles. On average, Taurus owners will pay about $80 monthly for liability insurance, and around $151 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other Ford models, the Taurus is slightly more affordable, with prices more than 5% lower than the rest of the company's vehicle offerings. Compared to offerings from other brands, car insurance for a Taurus is also more affordable, with full coverage insurance premiums coming in about $26 less and $3 less for liability only insurance.

They're also more affordable to insure than the average vehicle overall, regardless of model, body style, or make.

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Who has the Cheapest Car Insurance for a Ford Taurus?

If you're browsing for a new auto insurance policy for your Ford Taurus, you're may be wondering which carrier offers the cheapest rates. Although there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $32 a month from Arrowhead. The next cheapest carrier is Hugo, who offers insurance as low as $32 monthly.

ACG, MetroMile, and Nationwide round out the end of the top 5 list. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Ford Taurus.

Car insurance companies take multiple factors into consideration when offering you premiums. The only way to guarantee you'll find the lowest rates is to compare quotes from a whole bunch of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford Taurus?

As we mentioned above, there are a whole range of things that insurance companies take into account to decide how much they charge you for a policy -- and each company weighs different attributes more heavily than others, so there's not one carrier that's the cheapest for every Taurus driver.

Keep reading to learn which variables auto insurance carriers look at and how they affect your final rate:

Vehicle Age

The Ford Taurus has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for car insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Tauruses begin to depreciate, insurance costs will gradually get lower.

Based on the above table, the Ford Taurus is an outlier, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Tauruses are 6 to 7 years old.

Your Age

Age makes a difference in how much auto insurance companies will charge for a policy. Based on the information in the table above, drivers under 18 have much higher rates compared to drivers who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for Taurus drivers being 55-64.

Your Gender

Did you know women typically pay less for insurance than men? This is because men are more likely to get into accidents and get speeding tickets, which raises the chances of an insurance claim. When it comes to Taurus drivers specifically, women pay around $76 a month for car insurance and men pay about $84.

Where You Live

You're probably already aware that things such as what vehicle you drive and how old you are play a role in your auto insurance costs, but did you know that where you live matters just as much? Because insurance is regulated on a state-by-state basis, prices can fluctuate quite a bit depending on where you live.

For example, the average Ford Taurus owner in New York pays around $202 per month for liability coverage. Meanwhile, the same Californian driver will pay less than a third of that price, on average. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Ford Taurus Car Insurance Discounts

Whatever what state you live in, which vehicle you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance policy is always a good idea.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-vehicle discounts for adding more than one car to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same carrier

These are just a few of the discounts out there. Often, it's actually your driving history and insurance profile that get you the lowest rates.

Even though you don't have control over every factor car insurance carriers examine to calculate costs (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the variables you can use to your advantage when it comes to saving cash:

Your Driving Record

You've no doubt observed ads from insurance companies offering hefty savings for responsible drivers. It should be no surprise that your car insurance premiums will get higher if you get speeding tickets or get into an accident. But exactly how much is it going to cost you for these infractions?

According to the table above, accidents will usually cost Taurus drivers more than tickets, but both will result in a raise in rates. Ford Taurus drivers with a single ticket will pay an average of $94 a month, while drivers with one accident on their record pay about $101 every month (up $21 from the $80/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that plays a big role in your auto insurance rates is how much you drive each year. Those who drive less are more likely to go accident-free, so they'll generally end up paying less for insurance. Based on the table above, you can see that Ford Taurus owners who drive 10,000 miles or more pay $82 for auto insurance, while those who drive fewer than 2,500 miles a year pay an average of $70 monthly.

If you don't use your Ford Taurus to travel or commute regularly, it may be worth reviewing usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Ford Tauruses Compare to Other Vehicles?

If you're thinking about making a Ford Taurus your next vehicle, it can pay off to do your research. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Ford Taurus compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Ford Taurus is a great value for any budget. While the average vehicle MSRP in the U.S. is $46,119, the Taurus starts at just $27,800.

Similarly, auto insurance prices are cheaper when compared to the rest of the vehicle market. Liability insurance for a Ford Taurus is about $20 per month less expensive than average, while full coverage is $9 less a month.

When it comes to usage, Ford Taurus owners drive about the same amount annually as the national average, with 11,681 miles per year for all vehicles compared to the Taurus's 11,656 each year.

Ford Taurus Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on how much the average driver pays to insure a Ford Taurus. But if you're in thinking about buying a new car, truck, or SUV and the Taurus is on your wishlist, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.

For this reason, we've broken down Ford Taurus car insurance costs by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, such as base price, cheapest insurance company, and even available trims for each Taurus model year.

Choose Your Model

2019 Ford Taurus Car Insurance 2018 Ford Taurus Car Insurance 2017 Ford Taurus Car Insurance 2016 Ford Taurus Car Insurance 2015 Ford Taurus Car Insurance 2014 Ford Taurus Car Insurance 2013 Ford Taurus Car Insurance 2012 Ford Taurus Car Insurance 2011 Ford Taurus Car Insurance 2010 Ford Taurus Car Insurance 2009 Ford Taurus Car Insurance 2008 Ford Taurus Car Insurance 2007 Ford Taurus Car Insurance

2019 Ford Taurus Car Insurance

On average, drivers who own a 2019 Ford Taurus can expect to pay $61 to $160 monthly for liability only and full coverage insurance, respectively.

MetroMile offered the most affordable policy we found, with rates as little as just $34 a month.

Interested in what your car insurance cost could look like? Just enter your ZIP code below to get several free personalized quotes.

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2018 Ford Taurus Car Insurance

You can expect full coverage for a 2018 Taurus to run around $190 monthly, while liability only coverage will average about $120 per month.

With premiums as little as $21 monthly, Liberty Mutual offered the cheapest policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2017 Ford Taurus Car Insurance

The average cost to insure a 2017 Ford Taurus with liability only coverage is $116 per month, while full coverage runs around $169 a month.

With costs as cheap as just $48 monthly, MetLife offered the most affordable policy we found for the 2017 Ford Taurus.

If you want to find the best rates for insurance for a 2017 Ford Taurus, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2016 Ford Taurus Car Insurance

2016 Taurus drivers can expect to pay an average of $93 a month for liability or $200 for full coverage.

If you're looking for the cheapest possible 2016 Ford Taurus insurance policy, MetLife offered the lowest policy we found, with rates sometimes as cheap as $25 per month.

Want something more accurate than national averages? Just enter your ZIP code below to get lots of free customized quotes.

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2015 Ford Taurus Car Insurance

It costs about $116 a month for liability or $190 for a full coverage policy for the 2015 Ford Taurus.

We found MetroMile offered the cheapest policy, with rates as cheap as $20 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2014 Ford Taurus Car Insurance

On average, drivers who own a 2014 Taurus can expect to pay $87 to $172 monthly for liability only and full coverage auto insurance, respectively.

Elephant has prices sometimes as little as $24 per month for the 2014 Ford Taurus.

While these are good estimates of what the average driver might pay to insure a 2014 Ford Taurus, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2013 Ford Taurus Car Insurance

2013 Ford Taurus drivers can expect to pay an average of $95 monthly for liability or $165 for full coverage.

Looking for the most affordable policy? Hugo offered liability only coverage for as low as just $17 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2012 Ford Taurus Car Insurance

You can expect full coverage for a 2012 Taurus to run around $157 per month, while liability only coverage will average about $92 monthly.

With costs as little as just $22 a month, MetLife offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2011 Ford Taurus Car Insurance

It costs around $87 per month for liability or $153 for a full coverage policy for the 2011 Ford Taurus.

Looking for the cheapest policy? Mercury offered liability only coverage for as cheap as $21 a month.

Interested in just how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

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2010 Ford Taurus Car Insurance

The average cost to insure a 2010 Taurus with liability only coverage is $92 monthly, while full coverage runs about $157 a month.

We found MetLife offered the lowest policy, with rates sometimes as little as $20 per month.

These average premiums give you a good idea of what you might pay, but there are many variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2009 Ford Taurus Car Insurance

On average, drivers who own a 2009 Ford Taurus can expect to pay $79 to $165 monthly for liability only and full coverage car insurance, respectively.

Jupiter offered the most affordable policy we found, with rates as low as just $21 a month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get a variety of personalized quotes for free.

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2008 Ford Taurus Car Insurance

It costs around $85 per month for liability or $142 for a full coverage policy for the 2008 Taurus.

If you're looking for the most affordable 2008 Ford Taurus insurance policy, Clearcover offered the lowest policy we found, with rates as cheap as just $18 monthly.

If you want to know exactly how much you can expect to pay for your Taurus, just enter your ZIP code below and get several free quotes in minutes.

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2007 Ford Taurus Car Insurance

You can expect full coverage for a 2007 Ford Taurus to run about $138 per month, while liability only coverage will average around $86 monthly.

MetLife has prices as low as $19 a month for the 2007 Ford Taurus.

While these are good estimates of what the average driver might pay to insure a 2007 Ford Taurus, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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Ford Taurus Insurance FAQs

Is a Ford Taurus expensive to insure?

When compared to the national average of all vehicles, prices come in on the less expensive end of the spectrum. Liability insurance runs an average of $80 per month, while full coverage will cost you around $151.

How can I get the best price on car insurance for my Ford Taurus?

The only way to be sure you're getting the cheapest price on insurance is to regularly shop around and compare quotes from multiple carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare costs from a wide array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Taurus affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually a myth. There are lots of factors auto insurance carriers look at when they calculate how much you'll pay, but your Ford Taurus's color isn't one of them.

Do I need to have insurance before I buy a Ford Taurus?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you a car insurance policy, but the best thing to do when buying a car is to talk with your auto insurance carrier ahead of time.

What car insurance discounts can I get for my Ford Taurus?

There are lots of different discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Taurus has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about which discounts they offer.