Compare the Cost of Ford Taurus Insurance by Model Year and Company

The average cost of auto insurance for a Ford Taurus is $1,279 per year. Compared to other car models, a Ford Taurus is inexpensive to insure. Because Ford Taurus insurance rates vary depending on the auto insurance company and the vehicle's model year, it’s important to shop around to find the most affordable premiums.

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Different auto insurance carriers charge different Ford Taurus insurance rates depending on several factors, including the model year of your car. It helps to get personalized quotes from multiple providers so you can compare policy features and prices.

Key Takeaways

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Generally, Ford Taurus insurance cost is inexpensive. This model's average rate is $1,279 per year, which is $148 less than the average cost across car models.

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The cost to insure a Ford Taurus is different for each insurer; the rate can vary by as much as $412 per year.

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Insurance rates will also vary depending on how old the car is, with lower prices for older models. Premium costs can change by as much as $422, depending on the model year.

How Much It Costs to Insure a Ford Taurus and the Cheapest Company

The auto insurance provider you choose for your Ford Taurus insurance can affect your premiums. The average Ford Taurus insurance cost is $1,279 annually. You may get lower or higher rates depending on your insurer. At the low end is USAA, with an annual average rate of $1,092. Allstate charges the most expensive average rate at $1,504 per year. You can save up to $412 per year on car insurance by choosing the cheapest car insurance company.

The Average Annual Cost of Ford Taurus Insurance by Company

MoneyGeek’s sample costs are based on insurance rates gathered from various auto insurance carriers for a base driver profile. In this scenario, the driver is 40 years old and has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Ford Taurus by Company

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Is a Ford Taurus Expensive to Insure?

Auto insurers consider various factors when calculating insurance rates. Typically, drivers with low-value cars tend to be charged less than those driving more expensive brands.

The average insurance for a Ford Taurus is inexpensive. Insurance providers tend to charge less to cover a Ford Taurus because this car model has low value, making repair costs less expensive. It also has low horsepower, decreasing the chance of it being involved in a major accident.

The Best Car Insurance Company for a Ford Taurus

When looking to buy an auto insurance policy for a Ford Taurus, cost should not be the only factor you should consider. The best auto insurance companies are also financially stable and deliver a positive experience.

MoneyGeek ranked auto insurers based on a unique rating system that includes affordability, customer complaints, customer satisfaction and financial stability. The study shows that:

  • USAA ranked first with high ratings across all categories. However, only current or former military members and their families can apply for USAA insurance policies.
  • GEICO ranked second, a fantastic option for non-military members.

1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:84

4.5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:83

4.4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:82

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Ford Taurus by Model Year

Generally, older versions of the Ford Taurus cost less to insure. Since the value of a car depreciates over time, collision and comprehensive insurance also become cheaper. The average annual premium for a 2020 Ford Taurus is $1,410, while the average rate for a 2005 Ford Taurus is $988 per year — that’s a difference of $422 per year.

Some insurers offer affordable Ford Taurus insurance rates for newer models. A 2020 Ford Taurus driver typically pays $1,156 per year for a USAA auto insurance policy. If you want to see how rates compare across insurance companies, select your model below. The average cost of auto insurance varies for each model year.

The Average Cost to Insure a Ford Taurus by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,156
    $1,167
    $1,249
    $1,139
    $1,088
    $968
    $879
  • 2.
    $1,342
    $1,313
    $1,316
    $1,346
    $1,259
    $957
    $877
  • 3.
    $1,375
    $1,372
    $1,286
    $1,271
    $1,253
    $1,106
    $895
  • 4.
    $1,395
    $1,370
    $1,355
    $1,336
    $1,295
    $1,155
    $953
  • 5.
    $1,256
    $1,271
    $1,415
    $1,429
    $1,305
    $1,246
    $1,125

How Expensive Is It to Insure a Ford Taurus Compared to Other Cars?

Based on average rates, Ford Taurus is inexpensive to insure. The average Ford Taurus insurance premium is $1,279 per year, while the average annual rate across all models is $1,427.

How Much It Costs to Insure a Ford Taurus for 16- to 25-Year-Olds

Young drivers are deemed inexperienced on the road; that’s why insurance providers tend to charge teens significantly higher premiums than adults. An 18-year-old driver with a Ford Taurus typically pays around $4,174 per year for car insurance. Meanwhile, a 40-year-old pays $1,279 for a similar policy. Teens may want to consider joining their parents’ policy to save money on auto insurance. Additional rates for young Ford Taurus drivers can be found below.

The Average Cost to Insure a Ford Taurus by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,351
  • 17
    $4,740
  • 18
    $4,174
  • 19
    $2,990
  • 20
    $2,668
  • 21
    $2,112
  • 22
    $1,946
  • 23
    $1,780
  • 24
    $1,671
  • 25
    $1,516
  • 40
    $1,279

How Does Location Affect the Cost of Ford Taurus Insurance?

The rates listed on this page are national averages and serve as a guide to understanding Ford Taurus insurance rates. Other factors, such as your location, will significantly impact the cost of your premiums. Learn more about auto insurance costs in individual states with MoneyGeek’s state page analysis.

FAQs About Ford Taurus Insurance

Various factors affect the cost of auto insurance. To find out more about Ford Taurus insurance rates, review the following frequently asked questions.

Read More About Car Insurance

Methodology

MoneyGeek’s findings are based on insurance rates collected for a Ford Taurus SE across all available model years. The sample rates are for a 40-year-old male driver who has a full coverage policy with:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.