Toyota Avalon vs Ford Taurus Insurance Cost

The Ford Taurus is cheaper to insure by about $100 a year for full coverage by our estimate ($1,440 vs. $1,340), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Toyota Avalon	Ford Taurus	Difference
State minimum	$595	$595	—
Standard (100/300/100)	$865	$865	—
Full coverage	$1,440	$1,340	+$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Avalon minus Taurus.

Why one costs more to insure

Factor	Toyota Avalon	Ford Taurus
Segment	Full-size car	Full-size car
Powertrains	Gasoline, Hybrid	Gasoline, Flex-fuel
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	5

Avalon vs Taurus insurance by state

State	Avalon	Taurus	Difference
Alabama	$1,245	$1,145	+$100
Alaska	$1,255	$1,165	+$90
Arizona	$1,510	$1,410	+$100
Arkansas	$1,250	$1,145	+$105
California	$1,400	$1,290	+$110
Colorado	$1,625	$1,505	+$120
Connecticut	$1,540	$1,445	+$95
Delaware	$1,625	$1,540	+$85
District of Columbia	$1,810	$1,675	+$135
Florida	$2,090	$1,990	+$100
Georgia	$1,800	$1,700	+$100
Hawaii	$985	$910	+$75
Idaho	$975	$905	+$70
Illinois	$1,240	$1,150	+$90
Indiana	$1,020	$940	+$80
Iowa	$960	$870	+$90
Kansas	$1,135	$1,035	+$100
Kentucky	$1,215	$1,130	+$85
Louisiana	$1,995	$1,865	+$130
Maine	$910	$840	+$70
Maryland	$1,620	$1,515	+$105
Massachusetts	$1,415	$1,310	+$105
Michigan	$1,560	$1,445	+$115
Minnesota	$1,190	$1,095	+$95
Mississippi	$1,365	$1,260	+$105
Missouri	$1,300	$1,200	+$100
Montana	$1,130	$1,030	+$100
Nebraska	$1,135	$1,040	+$95
Nevada	$1,680	$1,600	+$80
New Hampshire	$1,020	$940	+$80
New Jersey	$1,755	$1,660	+$95
New Mexico	$1,285	$1,190	+$95
New York	$1,950	$1,840	+$110
North Carolina	$1,060	$965	+$95
North Dakota	$900	$810	+$90
Ohio	$1,020	$945	+$75
Oklahoma	$1,280	$1,175	+$105
Oregon	$1,305	$1,230	+$75
Pennsylvania	$1,245	$1,145	+$100
Rhode Island	$1,750	$1,650	+$100
South Carolina	$1,550	$1,460	+$90
South Dakota	$1,075	$965	+$110
Tennessee	$1,185	$1,090	+$95
Texas	$1,695	$1,560	+$135
Utah	$1,320	$1,240	+$80
Vermont	$920	$840	+$80
Virginia	$1,235	$1,150	+$85
Washington	$1,265	$1,190	+$75
West Virginia	$1,190	$1,090	+$100
Wisconsin	$975	$895	+$80
Wyoming	$1,095	$985	+$110

By driver profile (full coverage)

Driver	Avalon	Taurus
Teen driver (18, own policy)	$3,960	$3,685
Young adult (22)	$2,305	$2,145
Adult in their 30s	$1,440	$1,340
Adult in their 50s	$1,325	$1,230
Senior (72)	$1,615	$1,500
30s, one at-fault accident	$2,090	$1,940
30s, DUI on record	$2,665	$2,480

More comparisons

Frequently asked questions

Is the Toyota Avalon or the Ford Taurus cheaper to insure?

By our estimate the Ford Taurus is cheaper, by about $100 a year for full coverage ($1,440 vs. $1,340) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Avalon and Ford Taurus?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page