About $1,021 a year for full coverage on a national average — 29% less than the $1,438 average car. Insurers rate the Ford Taurus X at an index of 71 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2007-2009).
The premium isn't spread evenly across the Ford Taurus X: Personal injury (PIP) — no-fault injury cover in some states — carries its highest loss index at 79, while Collision sits at 64. Those 15 points are the real reason behind the price, and they are the part a quote form never shows you. Calculated from 4 insurance-loss records.
Why a Taurus X costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,021: Liability (BI + PD) $490 · Collision $286 · Comprehensive $123 · Other (UM / PIP) $123.
What a Taurus X costs by state
Where you park matters as much as what you drive. The Taurus X's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Taurus X est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Ford Taurus X's loss index of 71 — your own quote also depends on age, record, deductible and ZIP.
Ford Taurus X insurance — frequently asked
How much is insurance for a Ford Taurus X?
About $1,021 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 71 applied to the US average premium.
Why is the Taurus X expensive or cheap to insure?
For the Ford Taurus X the costliest area is Personal injury (PIP) at an index of 79, covering no-fault injury cover in some states — against 64 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Ford Taurus X lands at 71, not at what it costs new.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Taurus X can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.