Your Ford Taurus's model year affects insurance costs, with 2019 models averaging $206 monthly for full coverage compared to $100 for 2015 models.
Ford Taurus Insurance Cost
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. Read more
Check rates for your Taurus's model year to get accurate insurance costs. Read more
How Much Is Ford Taurus Insurance?
Read more about the cost of Ford car insurance models.
Insurance rates depend on model year and insurer. Ford Taurus minimum coverage ranges from $53 monthly with GEICO to $141 with UAIC.
| 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?
The Ford Taurus ranks 45th for insurance affordability, meaning 44 models cost less to insure.
While sedans are generally expensive to insure, the Taurus actually performs well, ranking 154th out of 827 total vehicles in our database.
| 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.
- Vehicle trim, features and accessories: Higher-performance variants cost more to insure.
- Driver profile: Most Ford Taurus drivers are middle-aged males (median age 46). Younger drivers pay higher rates.
Ford Taurus Insurance Cost by State
Ford Taurus insurance runs from $26 per month in Wyoming to $153 per month in Louisiana for minimum coverage. Your state's risk factors and insurance regulations drive those 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
Model year makes a clear difference in Ford Taurus insurance costs. A 35- to 55-year-old driver pays an average of $113 per month for full coverage on a 2016 Ford Taurus and $206 per month for a 2019 model. Teen and young adult drivers pay considerably more across all model years.
National General has the lowest rates for full coverage across recent Taurus model years from 2016 to 2019. GEICO offers the best overall value when looking across 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
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.
GEICO and National General consistently offer competitive rates across all Ford Taurus model years.
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.
Moderate theft rates help keep costs in check, and common parts availability keeps repair expenses reasonable. Safety features like airbags also work in your favor. Your driving record, credit score and coverage choices ultimately shape your final rate.
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
Our process involved analyzing 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.