Ford Taurus Insurance Cost
Full coverage for a Ford Taurus costs about $1,340 a year ($112/month) by our estimate — ▼ −16% versus the average vehicle.
Ford Taurus insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2019 model year. Our vehicle data covers the 2005–2019 model years of the Ford Taurus, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $595 | $50 | $490–$705 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $865 | $72 | $710–$1,020 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,340 | $112 | $1,100–$1,580 |
What drives the cost of insuring a Ford Taurus
HLDI does not publish loss results for the Ford Taurus, so our estimate uses the typical losses of its segment (Full-size car): 0.97× average for liability, 1.08× for collision and 1.02× for comprehensive.
- Repair and parts costs: Full-size car — mainstream parts availability keeps repairs moderate.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 5 NHTSA recall campaigns and 108 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Ford Taurus trims and configurations (2019)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Taurus AWD | AWD | 3.5L 6-cyl | 19 |
| Taurus AWD | AWD | 3.5L 6-cyl Turbo | 19 |
| Taurus AWD FFV | AWD | 3.5L 6-cyl | 19 |
| Taurus FWD | FWD | 3.5L 6-cyl | 21 |
| Taurus FWD FFV | FWD | 3.5L 6-cyl | 21 |
Ford Taurus insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2019 | 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 19–21 | $1,340 |
| 2018 | 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 19–21 | $1,305 |
| 2017 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 19–23 | $1,275 |
| 2016 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 19–23 | $1,240 |
| 2015 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 20–26 | $1,235 |
| 2014 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 20–26 | $1,235 |
| 2013 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 20–25 | $1,235 |
| 2012 | 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 20–22 | $1,235 |
| 2011 | 3.5L 6-cyl, 3.5L 6-cyl Turbo | AWD, FWD | 20–22 | $1,235 |
| 2010 | 3.5L 6-cyl, 3.5L 6-cyl Turbo | 4WD, AWD, FWD | 20–22 | $1,235 |
| 2009 | 3.5L 6-cyl | 4WD/AWD, FWD | 19–21 | $1,235 |
| 2008 | 3.5L 6-cyl | 4WD/AWD, FWD | 19–22 | $1,235 |
| 2007 | 3.0L 6-cyl | FWD | 20 | $1,235 |
| 2006 | 3.0L 6-cyl | FWD | 20 | $1,235 |
| 2005 | 3.0L 6-cyl | FWD | 19–20 | $1,235 |
Ford Taurus insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Taurus page for that state.
Ford Taurus insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,640 | $2,375 | $3,685 | $307 |
| Young adult (22) | $955 | $1,380 | $2,145 | $179 |
| Adult in their 30s | $595 | $865 | $1,340 | $112 |
| Adult in their 50s | $550 | $795 | $1,230 | $103 |
| Senior (72) | $665 | $965 | $1,500 | $125 |
| 30s, one at-fault accident | $865 | $1,250 | $1,940 | $162 |
| 30s, DUI on record | $1,100 | $1,595 | $2,480 | $207 |
Ford Taurus vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Ford Taurus | $1,340 | — | — | — |
| Dodge Charger | $1,635 | — | — | Compare |
| Chrysler 300 | $1,500 | — | — | Compare |
| Toyota Avalon | $1,440 | — | — | Compare |
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Other Ford models
- Expedition $1,370/yr
- Explorer $1,400/yr
- Bronco $1,260/yr
- Bronco Sport $1,380/yr
- Escape $1,625/yr
- F-150 $1,580/yr
- Maverick $1,485/yr
- Mustang $1,865/yr
- Mustang Mach-E $1,435/yr
- Ranger $1,275/yr
- F-150 Lightning $1,600/yr
- Edge $1,365/yr
- Transit Connect $1,425/yr
- EcoSport $1,340/yr
- GT $1,695/yr
- Transit $1,435/yr
- Fusion $1,355/yr
- Fiesta $1,305/yr
- Flex $1,285/yr
- C-Max $1,305/yr
- Focus $1,280/yr
- E-Series $1,220/yr
- Crown Victoria $1,260/yr
- Explorer Sport Trac $1,240/yr
- Taurus X $1,190/yr
- Five Hundred $1,260/yr
- Freestar $1,135/yr
- Freestyle $1,190/yr
- Thunderbird $1,445/yr
Frequently asked questions
How much is insurance for a Ford Taurus?
We estimate about $1,340 a year ($112 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 16% less than the average vehicle.
Which state is cheapest to insure a Ford Taurus?
North Dakota has the lowest estimate (about $810 a year for full coverage) and Florida the highest (about $1,990).
What is the Ford Taurus's NHTSA safety rating?
The 2019 Ford Taurus earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Ford Taurus cheaper to insure than the Dodge Charger?
By our estimate the Ford Taurus costs about $1,340 a year versus $1,635 for the Dodge Charger, making it the cheaper of the two to insure.
How much is Ford Taurus insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,685 a year at national-average rates by our estimate.
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.