Your Ford Taurus's model year affects insurance costs, with 2019 models averaging $206 monthly for full coverage compared to $100 for 2015 models. Newer Taurus models cost more due to their higher market values.
Ford Taurus Insurance Cost
Updated: January 20, 2026
Key Takeaways
Ford Taurus insurance costs an average of $147 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Taurus ranks 45th out of 199 sedans for insurance affordability, placing it middle tier. Sedans cost more to insure than most vehicle types, making the Taurus affordable compared to typical cars. Read more
Check rates for your Taurus's model year to get accurate insurance costs. Read more
How Much Is Ford Taurus Insurance?
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Insurance rates depend on model year and insurer. Ford Taurus minimum coverage spans $53 monthly with GEICO to $141 with UAIC, while full coverage goes from $114 with GEICO to higher rates with other companies.
Rate variations exceeding $88 for minimum coverage and $140 for full coverage demonstrate why Taurus owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $80 | $165 |
| AIG | $105 | $254 |
| Allstate | $100 | $192 |
| Amica | $93 | $189 |
| Chubb | $99 | $193 |
| Farmers | $103 | $180 |
| Geico | $53 | $114 |
| Kemper | $75 | $149 |
| Nationwide | $89 | $153 |
| Progressive | $82 | $153 |
| State Farm | $68 | $140 |
| The Hartford | $80 | $136 |
| Travelers | $70 | $128 |
| UAIC | $141 | $177 |
Is Ford Taurus Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the Ford Taurus ranking 45th for insurance affordability, meaning 44 models cost less to insure. It's positioned a few dollars per month more expensive than a Scion iA and slightly cheaper than a Mercedes A-Class. This middle-tier placement among sedans provides useful context for potential buyers.
While sedans are generally expensive to insure, the Taurus actually performs well overall, ranking 154th out of 827 total vehicles in our database. That puts it in the top 20% most affordable cars to insure across all categories. The Saturn S-Series claims the cheapest sedan spot, while the Cadillac CTS-V commands the highest premiums.
| Hyundai XG350 | $111 | 42 |
| Mitsubishi Galant | $111 | 42 |
| Acura TSX | $111 | 43 |
| Scion iA | $111 | 44 |
| Ford Taurus | $111 | 45 |
| Mercedes A-Class | $112 | 46 |
| Honda Insight | $114 | 47 |
| Saturn Aura | $114 | 48 |
Your Ford Taurus insurance costs depend on:
- Average repair or replacement costs: Ford Taurus repairs average $1,082 annually, making it Ford's third most expensive model to maintain.
- Vehicle trim, features, and accessories: The Taurus's horsepower ranges from 240 to 365, depending on the trim level. Higher-performance variants like the SHO cost more to insure due to increased power capabilities and performance features.
- Driver profile: Most Ford Taurus drivers are middle-aged males (median age 46). Younger drivers pay higher rates, and the Taurus's performance reputation attracts risk-taking behaviors that concern insurers.
Ford Taurus Insurance Cost by State
Car insurance for a Ford Taurus costs as little as $26 per month in Wyoming or as much as $153 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the vehicle itself.
| Alabama | $61 | $115 |
| Alaska | $55 | $116 |
| Arizona | $87 | $163 |
| Arkansas | $58 | $130 |
| California | $71 | $143 |
| Colorado | $69 | $165 |
| Connecticut | $108 | $185 |
| Delaware | $110 | $184 |
| Florida | $105 | $240 |
| Georgia | $120 | $196 |
| Hawaii | $39 | $89 |
| Idaho | $40 | $81 |
| Illinois | $68 | $127 |
| Indiana | $47 | $92 |
| Iowa | $38 | $93 |
| Kansas | $51 | $119 |
| Kentucky | $94 | $160 |
| Louisiana | $153 | $330 |
| Maine | $38 | $77 |
| Maryland | $122 | $206 |
| Massachusetts | $77 | $161 |
| Michigan | $111 | $212 |
| Minnesota | $60 | $124 |
| Mississippi | $63 | $125 |
| Missouri | $84 | $166 |
| Montana | $49 | $115 |
| Nebraska | $51 | $116 |
| Nevada | $135 | $245 |
| New Hampshire | $51 | $90 |
| New Jersey | $127 | $209 |
| New Mexico | $60 | $134 |
| New York | $94 | $168 |
| North Carolina | $60 | $117 |
| North Dakota | $40 | $87 |
| Ohio | $56 | $108 |
| Oklahoma | $66 | $147 |
| Oregon | $93 | $162 |
| Pennsylvania | $62 | $145 |
| Rhode Island | $93 | $166 |
| South Carolina | $77 | $143 |
| South Dakota | $36 | $110 |
| Tennessee | $58 | $116 |
| Texas | $96 | $197 |
| Utah | $83 | $140 |
| Vermont | $31 | $75 |
| Virginia | $72 | $117 |
| Washington | $69 | $128 |
| West Virginia | $63 | $129 |
| Wisconsin | $47 | $103 |
| Wyoming | $26 | $80 |
Ford Taurus Costs by Model Year and Insurance Company
The importance of model year becomes clear when comparing Ford Taurus insurance costs across different years and driver ages. A 35- to 55-year-old driver pays an average of $113 monthly for full coverage on a 2016 Ford Taurus, while the same driver faces $206 monthly for a 2019 model. Young drivers in their teens and early twenties will pay much more across all model years.
National General offers the lowest rates for full coverage across recent Taurus model years (2016-2019), while GEICO provides the best overall value when considering all model years.
Cost of Car Insurance for 2019 Ford Taurus
| Geico | $75 | $163 |
| National General | $77 | $159 |
| Travelers | $93 | $170 |
| State Farm | $102 | $211 |
| Kemper | $114 | $231 |
| AAA | $116 | $240 |
| Progressive | $117 | $219 |
| Amica | $120 | $246 |
| Nationwide | $121 | $209 |
| The Hartford | $121 | $206 |
| Allstate | $125 | $243 |
| Chubb | $141 | $280 |
| AIG | $149 | $373 |
| Farmers | $151 | $266 |
| UAIC | $169 | $213 |
Cost of Car Insurance for 2018 Ford Taurus
| Geico | $60 | $130 |
| National General | $62 | $127 |
| Travelers | $74 | $136 |
| State Farm | $81 | $169 |
| Kemper | $91 | $185 |
| AAA | $93 | $192 |
| Progressive | $93 | $175 |
| Amica | $96 | $196 |
| Nationwide | $97 | $167 |
| The Hartford | $97 | $165 |
| Allstate | $100 | $194 |
| Chubb | $113 | $224 |
| AIG | $119 | $298 |
| Farmers | $121 | $213 |
| UAIC | $135 | $170 |
Cost of Car Insurance for 2017 Ford Taurus
| Geico | $52 | $112 |
| National General | $53 | $109 |
| Travelers | $64 | $117 |
| State Farm | $70 | $145 |
| Kemper | $79 | $159 |
| AAA | $80 | $165 |
| Progressive | $80 | $151 |
| Amica | $83 | $169 |
| Nationwide | $83 | $144 |
| The Hartford | $83 | $142 |
| Allstate | $86 | $167 |
| Chubb | $97 | $193 |
| AIG | $102 | $257 |
| Farmers | $104 | $183 |
| UAIC | $116 | $146 |
Cost of Car Insurance for 2016 Ford Taurus
| Geico | $41 | $90 |
| National General | $43 | $87 |
| Travelers | $51 | $93 |
| State Farm | $56 | $116 |
| Kemper | $63 | $127 |
| AAA | $64 | $132 |
| Progressive | $64 | $120 |
| Amica | $66 | $135 |
| Nationwide | $67 | $115 |
| The Hartford | $67 | $114 |
| Allstate | $69 | $133 |
| Chubb | $78 | $154 |
| AIG | $82 | $205 |
| Farmers | $83 | $146 |
| UAIC | $93 | $117 |
Ford Taurus Insurance Cost by Trim
Ford Taurus insurance costs range from $70 monthly for minimum coverage on SE Sedan 4D models to $176 for full coverage on SHO Sedan 4D variants. Your trim's performance features, rarity, and market value determine where you'll fall in this range.
| Se Sedan 4d | $70 | $134 |
| Lx Sedan 4d | $71 | $136 |
| Limited Sedan 4d | $72 | $140 |
| Sel Sedan 4d | $75 | $144 |
| Ses Wagon 4d | $75 | $144 |
| Ses Sedan 4d | $78 | $150 |
| Se Wagon 4d | $81 | $155 |
| Sel Wagon 4d | $86 | $165 |
| Sho Sedan 4d | $91 | $176 |
How to Lower the Cost of Ford Taurus Insurance
Here's how to find better rates on your Ford Taurus insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Ford Taurus based on your ownership situation. Own it outright? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for mid-size sedans. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates in your area.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage or slower service when you need them most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford Taurus owners often qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts when combining auto and home policies. These savings can reduce your annual premium costs.
- 5Consider alternative car insurance types
Ford Taurus owners might benefit from usage-based insurance programs like Progressive Snapshot telematics or Allstate Drivewise safe driving apps. These options track your driving habits and deliver premium reductions based on safe driving behaviors, potentially saving careful drivers substantial amounts.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your current insurer won't inform you when competitors drop their prices, so yearly comparisons could save up to 24% on your Ford Taurus insurance premiums.
Ford Taurus Insurance Cost: Bottom Line
Ford Taurus insurance costs less than average, but you'll still want to secure the best possible rates. Shopping multiple companies, claiming discounts and adjusting coverage options helps you find affordable insurance for your vehicle.
Ford Taurus Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Taurus?
Ford Taurus insurance costs average $914 annually for state minimum coverage and $1,761 for full coverage. These rates translate to approximately $76 and $147 monthly respectively.
What company has the cheapest car insurance for a Ford Taurus?
GEICO and National General consistently offer competitive rates across all Ford Taurus model years.
Are Ford Taurus cars expensive to insure?
No, Ford Taurus insurance is not expensive compared to most vehicles. Among sedans specifically, it places 45th out of 199 models for affordability, while ranking 154th out of 827 total vehicles we track.
What factors affect insurance costs for Ford Taurus vehicles?
Various elements affect Ford Taurus insurance premiums. Moderate theft rates help keep costs reasonable, while average repair expenses due to common parts availability work in your favor. Safety features like airbags provide additional protection. Your driving record, credit score and chosen coverage levels ultimately determine your final rates.
How can I lower Ford Taurus insurance costs?
Compare quotes from several insurers since Ford Taurus pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies with the same carrier and keep your driving record clean to secure better rates.
How We Determined Ford Taurus Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ford Taurus insurance costs.
Who We Based These Rates On
These Ford Taurus rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.