Full coverage insurance for a Ford Taurus ranges from $989 to $5,879 annually. Rates vary based on model year, age, location, driving history, coverage and insurer. This article examines Ford Taurus insurance costs and highlights the best and most affordable providers.
Ford Taurus Insurance Cost
Updated: March 14, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all Ford Taurus model years at $465 annually.
For a Ford Taurus, the average annual insurance cost is $618 for minimum coverage and $1,333 for full coverage.
MoneyGeek analyzed data and 2,988 Ford Taurus quotes from Quadrant Information Services to deliver these insights.
Ford Taurus Insurance Rates
What Is the Average Ford Taurus Car Insurance Cost?
The average cost of full coverage insurance on a Ford Taurus is $111 per month or $1,333 per year, based on a 40-year-old male with a clean driving record. Minimum coverage costs roughly $52 per month or $618 per year.
| Minimum Coverage | $618 |
| Full Coverage | $1,333 |
Ford Taurus Insurance Costs by Company
Ford Taurus insurance costs range from $1,021 to $1,841 annually, varying by age, model year and coverage level. Below is a comparison of average Ford Taurus insurance rates against the averages for all vehicles from several national and mid-sized providers.
| Allstate | $1,377 | $1,813 | -24% |
| Auto-Owners | $1,100 | $1,227 | -10% |
| Farmers | $1,670 | $1,956 | -15% |
| GEICO | $1,257 | $1,332 | -6% |
| Kemper | $1,841 | $2,213 | -17% |
| Nationwide | $1,435 | $1,588 | -10% |
| Progressive | $1,606 | $1,743 | -8% |
| State Farm | $1,070 | $1,270 | -16% |
| Travelers | $1,497 | $1,520 | -2% |
| USAA | $1,021 | $1,200 | -15% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ford Taurus by Model Year
The year your Ford Taurus was produced can affect your insurance rates, with older models often costing less to insure. For example, a 2018 model's full coverage policy costs around $1,455 annually, while a 2009 model is cheaper at $1,193. Below are the average full and minimum coverage rates for each production year.
| 2018 | $629 | $1,455 |
| 2017 | $610 | $1,443 |
| 2016 | $642 | $1,432 |
| 2015 | $646 | $1,420 |
| 2014 | $618 | $1,381 |
| 2013 | $640 | $1,341 |
| 2012 | $635 | $1,301 |
| 2011 | $609 | $1,265 |
| 2010 | $636 | $1,229 |
| 2009 | $634 | $1,193 |
Ford Taurus Insurance Costs by Driver Age
Insurance rates for a Ford Taurus vary widely depending on the driver's age. For example, a 16-year-old pays about $5,879 annually for full coverage, while a 40-year-old pays around $1,346. Below are the average full and minimum coverage rates for different ages.
| 16 | $2,903 | $5,879 |
| 17 | $2,352 | $4,784 |
| 18 | $2,050 | $4,205 |
| 19 | $1,450 | $2,985 |
| 20 | $1,302 | $2,711 |
| 21 | $1,033 | $2,184 |
| 22 | $941 | $2,006 |
| 23 | $874 | $1,872 |
| 24 | $829 | $1,781 |
| 25 | $737 | $1,594 |
| 26 | $716 | $1,540 |
| 27 | $699 | $1,507 |
| 28 | $688 | $1,484 |
| 29 | $678 | $1,464 |
| 30 | $655 | $1,413 |
| 35 | $637 | $1,371 |
| 40 | $630 | $1,346 |
| 45 | $625 | $1,330 |
| 50 | $610 | $1,290 |
| 55 | $594 | $1,255 |
| 60 | $594 | $1,251 |
| 65 | $631 | $1,300 |
| 70 | $686 | $1,393 |
| 75 | $761 | $1,528 |
| 80 | $862 | $1,703 |
| 85 | $933 | $1,826 |
| 90 | $984 | $1,913 |
Ford Taurus Insurance Rates Explained
Several factors influence car insurance rates, including driver profiles and vehicle-specific details. Insurers consider aspects like the Ford Taurus's make, model, age and safety features when determining premiums.
Ford Taurus Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ford Taurus
Average Full Coverage Rate
$1,333Premiums for Ford Taurus are:$37 more
This is 3% more expensive.
Value
The Ford Taurus's MSRP of $38,405 classifies it as a mid-range sedan. Due to their value, higher-priced vehicles like this often incur increased insurance premiums.
Repair costs
The annual repair cost for a Ford Taurus is $697, below the national average. Factors like the availability of parts and labor costs can affect insurance costs.
Performance
The Ford Taurus' 0–60 time of 7 seconds and 288 horsepower classify it as a non-high-performance vehicle, potentially keeping insurance costs moderate.
Vehicle age
Newer Ford Taurus models are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions and may have higher insurance costs.
Safety features
Safety features like stability control, airbags and antilock brakes may qualify the Ford Taurus for insurance discounts. Its 5/5 NHTSA safety rating further lowers accident risk.
Vehicle size
Larger vehicles often incur higher insurance costs due to potential property damage. The Ford Taurus, with a curb weight of 4,327 lbs, may have moderate insurance costs relative to other Ford models.
Trim level
Higher trim levels with premium upgrades, such as leather interiors and enhanced connectivity, increase the MSRP. Consequently, a higher-trim Ford Taurus costs more to insure than the base model.
Anti-theft features
Vehicles with anti-theft features often qualify for lower insurance premiums. The Ford Taurus’ anti-theft features may help reduce costs.
Cheapest Ford Taurus Insurance
State Farm offers the lowest annual minimum coverage rate for a Ford Taurus at $465, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Ford Taurus Insurance by Coverage Level
Your chosen coverage level significantly impacts your Ford Taurus insurance costs. State Farm offers the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Ford Taurus Minimum Coverage
State Farm offers the cheapest minimum coverage for a Ford Taurus at $39 monthly, followed by GEICO at $45 and Nationwide and Allstate at $56.
| USAA | $34 | $413 |
| State Farm | $39 | $465 |
| GEICO | $45 | $540 |
| Nationwide | $56 | $669 |
| Allstate | $56 | $674 |
| Travelers | $57 | $681 |
| Progressive | $58 | $692 |
| Farmers | $61 | $726 |
*State Farm offers non-military-affiliated Ford Taurus owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ford Taurus Insurance Rates by Model Year
The above list doesn't consider the model production year, so lower rates might be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for each Ford Taurus production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $675 | $56 |
| Farmers | $742 | $62 |
| GEICO | $558 | $47 |
| Nationwide | $706 | $59 |
| Progressive | $680 | $57 |
| State Farm | $465 | $39 |
| Travelers | $725 | $60 |
| USAA | $424 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ford Taurus Insurance
State Farm offers the cheapest full coverage for a Ford Taurus at $1,035 annually or $86 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $82 | $989 |
| State Farm | $86 | $1,035 |
| GEICO | $101 | $1,218 |
| Allstate | $110 | $1,319 |
| Nationwide | $113 | $1,353 |
| Travelers | $123 | $1,479 |
| Progressive | $127 | $1,527 |
| Farmers | $130 | $1,561 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Ford Taurus owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ford Taurus Insurance by Age
Drivers aged 16 to 25 and 55+ often face higher Ford Taurus insurance costs. Below is a breakdown of the cheapest options by age group.
Cheapest Ford Taurus Insurance for Young Drivers
Ford Taurus drivers aged 16 to 25 can find the cheapest insurance with State Farm, averaging $84 monthly or $1,009 annually for minimum coverage. Below is the complete list of affordable car insurance options for young drivers.
| USAA | $71 | $853 |
| State Farm | $84 | $1,009 |
| GEICO | $109 | $1,312 |
| Travelers | $120 | $1,442 |
| Allstate | $131 | $1,578 |
| Nationwide | $146 | $1,758 |
| Progressive | $160 | $1,923 |
| Farmers | $165 | $1,985 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford Taurus Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $43 monthly or $510 annually. See the full list of affordable Ford Taurus insurers below.
| State Farm | $43 | $510 |
| USAA | $46 | $549 |
| GEICO | $54 | $650 |
| Nationwide | $65 | $784 |
| Travelers | $68 | $821 |
| Allstate | $69 | $828 |
| Progressive | $74 | $884 |
| Farmers | $80 | $965 |
Cheapest Ford Taurus Insurance After an Accident
State Farm, GEICO and Allstate offer Ford Taurus drivers the cheapest car insurance after an accident. Check out the complete list below.
| State Farm | $48 | $581 |
| USAA | $52 | $629 |
| GEICO | $71 | $855 |
| Allstate | $77 | $919 |
| Travelers | $83 | $993 |
| Nationwide | $86 | $1,031 |
| Progressive | $94 | $1,132 |
| Farmers | $121 | $1,447 |
Ford Taurus Insurance Cost: Bottom Line
Compare rates from different insurers to secure the cheapest car insurance. This article details Ford Taurus insurance costs by demographics and highlights the most affordable providers.
Ford Taurus Insurance Rates: FAQ
Below are answers to common questions about Ford Taurus insurance costs, including details on minimum coverage and affordable options.
What company has the cheapest car insurance for a Ford Taurus?
State Farm offers the cheapest car insurance for a Ford Taurus, with an annual minimum coverage rate of $465.
What is the average cost of car insurance for a Ford Taurus?
A Ford Taurus' average annual insurance cost is $618 for minimum coverage and $1,333 for full coverage.
Ford Taurus Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,988 Ford Taurus insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ford Taurus:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ford Taurus insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ford Taurus.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.