Best Ford Taurus X Auto Insurance in 2024 (Find the Top 10 Companies Here)
Discover why Chubb, AAA, and Amica are the top picks for the best Ford Taurus X auto insurance, with competitive rates starting at $85/month. These companies stand out due to their exceptional coverage options, customer satisfaction, and financial stability, making them the best choices for Ford Taurus X owners.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jul 30, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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69 reviewsCompany Facts
Full Coverage for Ford Taurus X
A.M. Best Rating
Complaint Level
Pros & Cons
69 reviews
2,934 reviewsCompany Facts
Full Coverage for Ford Taurus X
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
768 reviewsCompany Facts
Full Coverage for Ford Taurus X
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
The top picks for the best Ford Taurus X auto insurance are Chubb, AAA, and Amica, renowned for their comprehensive coverage and customer service.
These companies offer tailored policies that cater specifically to the needs of Ford Taurus X owners, ensuring optimal protection and peace of mind. Learn more in our complete “Types of Auto Insurance.”
Our Top 10 Company Picks: Best Ford Taurus X Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 12% A++ Comprehensive Coverage Chubb
#2 25% A Custom Options AAA
#3 25% A+ Local Agents Amica
#4 10% A++ Member Benefits Auto-Owners
#5 15% A Customer Satisfaction Safeco
#6 20% A Family Plans American Family
#7 20% A Policy Variety Farmers
#8 10% A++ Military Perks USAA
#9 20% A+ Broad Coverage Nationwide
#10 25% A+ AARP Discounts The Hartford
Their commitment to excellence is reflected in their high customer satisfaction ratings and robust financial stability. Choosing the right insurer means finding one that combines affordability with extensive coverage options and excellent service.
Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
- Chubb leads as the top pick for Ford Taurus X auto insurance
- Policies tailored to meet the specific needs of Ford Taurus X drivers
- Coverage focuses on the unique aspects of owning a Ford Taurus X
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#1 – Chubb: Top Overall Pick
Pros
- Optimal Coverage Levels: Chubb offers extensive coverage options tailored specifically for Ford Taurus X owners, ensuring thorough protection.
- High Multi-Vehicle Discount: Owners of multiple vehicles, including the Ford Taurus X, benefit from Chubb’s 12% multi-vehicle discount.
- Top Industry Rating: Chubb’s A++ A.M. Best rating reassures Ford Taurus X owners of its exceptional financial stability. See more details in our guide titled, “Chubb Auto Insurance Review.”
Cons
- Premium Pricing: Chubb’s premium coverage options for the Ford Taurus X come at higher costs compared to industry averages.
- Coverage Complexity: The comprehensive nature of Chubb’s offerings might overwhelm Ford Taurus X owners new to auto insurance.
#2 – AAA: Best for Custom Options
Pros
- Customizable Policies: AAA provides highly customizable insurance policies, ideal for Ford Taurus X owners with specific coverage needs.
- Substantial Multi-Vehicle Discount: Ford Taurus X owners enjoy a 25% discount when insuring multiple vehicles with AAA.
- Reputable Service: With an A rating from A.M. Best, AAA is well-regarded for its financial reliability and service quality for Ford Taurus X owners. Learn more in our complete “AAA Auto Insurance Review.”
Cons
- Membership Requirement: AAA requires a membership, which may be a barrier for some Ford Taurus X owners seeking auto insurance.
- Variable Customer Service: Service quality can vary significantly by region, potentially affecting Ford Taurus X owners in certain areas.
#3 – Amica: Best for Local Agents
Pros
- Personalized Agent Interaction: Amica offers Ford Taurus X owners local agent support, providing personalized and accessible service.
- Equal Multi-Vehicle Discount: Like AAA, Amica offers a generous 25% discount for Ford Taurus X owners insuring multiple vehicles.
- Strong Financial Rating: Amica’s A+ A.M. Best rating ensures reliability and solid backing for Ford Taurus X policies. Discover more about offerings in our complete “Amica Auto Insurance Review.”
Cons
- Higher Premiums: Premiums may be higher for Ford Taurus X owners, especially when compared to larger insurers.
- Limited Availability: Amica’s local agent model might limit availability in some areas, affecting some Ford Taurus X owners.
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#4 – Auto-Owners: Best for Member Benefits
Pros
- Exclusive Member Perks: Auto-Owners provides exclusive benefits and discounts for Ford Taurus X owners who are members, enhancing value.
- Solid Multi-Vehicle Discount: Owners of multiple vehicles, including the Ford Taurus X, can receive a 10% discount on their policies. Access comprehensive insights into our guide titled, “Auto-Owners Auto Insurance Review.”
- Superior Financial Strength: With an A++ A.M. Best rating, Auto-Owners assures Ford Taurus X owners of its robust financial health.
Cons
- Limited Geographic Reach: The availability of Auto-Owners’ services for Ford Taurus X insurance may be limited to certain states.
- Membership Constraints: The requirement for membership might restrict access for some Ford Taurus X owners seeking their insurance benefits.
#5 – Safeco: Best for Customer Satisfaction
Pros
- Dedicated Customer Support: Safeco prioritizes customer satisfaction with dedicated support for Ford Taurus X insurance holders.
- Moderate Multi-Vehicle Discount: Ford Taurus X owners benefit from a 15% discount on multi-vehicle policies. Delve into our evaluation of “Safeco Auto Insurance Review.”
- Reputable Financial Standing: Safeco’s A rating from A.M. Best ensures dependable coverage for Ford Taurus X owners.
Cons
- Inconsistent Service Levels: Customer experiences may vary, potentially affecting Ford Taurus X owners in different regions.
- Policy Premiums: Despite discounts, some Ford Taurus X owners may find Safeco’s premiums higher than competitors.
#6 – American Family: Best for Family Plans
Pros
- Family-Focused Discounts: American Family offers substantial discounts and benefits tailored for families with multiple vehicles, including the Ford Taurus X.
- Competitive Multi-Vehicle Discount: A 20% discount for insuring multiple vehicles benefits Ford Taurus X families.
- Strong A.M. Best Rating: An A rating ensures financial reliability for Ford Taurus X policyholders. See more details in our guide titled, “American Family Auto Insurance Review.”
Cons
- Narrow Policy Options: While offering great family plans, options may be limited for single Ford Taurus X owners or those with unique needs.
- Regional Availability: American Family’s availability might be restricted, impacting Ford Taurus X owners in certain areas.
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#7 – Farmers: Best for Policy Variety
Pros
- Wide Range of Options: Farmers offers a diverse array of policy options, allowing Ford Taurus X owners to tailor coverage to their specific needs.
- Generous Multi-Vehicle Discount: A 20% discount on multi-vehicle policies benefits Ford Taurus X owners looking for comprehensive coverage.
- Solid Financial Stability: Farmers’ A rating from A.M. Best ensures dependable support and claims processing for Ford Taurus X policies. More information is available about this provider in our Farmers auto insurance review.
Cons
- Potential Cost Variability: While offering variety, the cost of policies for Ford Taurus X owners can vary significantly based on specifics.
- Complex Policy Structures: The wide range of options might be overwhelming for Ford Taurus X owners new to navigating insurance choices.
#8 – USAA: Best for Military Perks
Pros
- Exclusive Military Benefits: USAA provides exclusive benefits and rates for military members and their families, including those with a Ford Taurus X.
- Consistent High Ratings: With an A++ rating from A.M. Best, USAA offers exceptional financial reliability for Ford Taurus X insurance policies. Unlock details in our guide titled, USAA auto insurance review.
- Tailored Discounts: Ford Taurus X owners in the military can benefit from USAA’s 10% multi-vehicle discount and other military-specific perks.
Cons
- Limited Eligibility: USAA’s services are exclusive to military members and their families, limiting availability for the broader public.
- Focused Coverage Scope: While excellent for eligible members, coverage options may not meet all the diverse needs of Ford Taurus X owners outside the military.
#9 – Nationwide: Best for Broad Coverage
Pros
- Extensive Coverage Options: Nationwide offers broad insurance coverage that can be customized to suit the needs of Ford Taurus X owners.
- Significant Multi-Vehicle Discount: A 20% discount on policies for owners of multiple vehicles, including the Ford Taurus X, adds considerable value.
- Strong Financial Rating: Nationwide’s A+ rating from A.M. Best underscores its capacity to support Ford Taurus X owners reliably. Read up on the Nationwide auto insurance review for more information.
Cons
- Premium Pricing: Nationwide’s extensive coverage comes with higher premiums that may not fit all Ford Taurus X owners’ budgets.
- Variable Customer Feedback: Customer satisfaction can vary, potentially affecting the insurance experience for some Ford Taurus X owners.
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#10 – The Hartford: Best for AARP Discounts
Pros
- Tailored Discounts for Seniors: The Hartford offers special AARP member discounts that benefit senior Ford Taurus X owners. Learn more in our complete The Hartford auto insurance review.
- Comprehensive Multi-Vehicle Discount: A substantial 25% discount on multi-vehicle policies enhances affordability for Ford Taurus X owners.
- High Financial Stability: The Hartford’s A+ A.M. Best rating ensures robust support and reliability for Ford Taurus X policyholders.
Cons
- AARP Membership Required: Access to special discounts requires AARP membership, which may not apply to all Ford Taurus X owners.
- Focused Demographic: While offering great benefits for seniors, younger Ford Taurus X owners may find fewer advantages.
Ford Taurus X Insurance Rate Comparison
Exploring the monthly rates for Ford Taurus X auto insurance reveals a spectrum of pricing options depending on the coverage level and provider. The table below illustrates both minimum and full coverage rates across various insurers.
Ford Taurus X Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $95 $190
American Family $115 $230
Amica $100 $200
Auto-Owners $110 $220
Chubb $120 $240
Farmers $98 $196
Nationwide $102 $204
Safeco $105 $210
The Hartford $108 $216
USAA $85 $170
The table presents a detailed comparison of monthly auto insurance rates for the Ford Taurus X, segmented by minimum and full coverage options.
For example, AAA offers minimum coverage at $95 and full coverage at $190, indicating a consistent doubling in premium for comprehensive protection. USAA provides the most economical option for minimum coverage at $85, while Chubb’s full coverage is the priciest at $240.
This range highlights the diversity in pricing strategies among top insurers, allowing Ford Taurus X owners to gauge which provider offers the best value based on their specific needs.
Learn more: What is the average auto insurance cost per month?
Comparing Ford Taurus X Auto Insurance Costs
To understand how Ford Taurus X auto insurance rates stack up against similar models, we can analyze a comparison of insurance costs. The following table breaks down these rates into comprehensive, collision, liability, and full coverage components.
The data reveals that the Ford Taurus X and similar sedans carry varying insurance premium costs across different coverage types.
This analysis provides a clear perspective on potential insurance expenses, helping owners make informed decisions about their auto insurance investments.
This comparison of annual insurance rates provides a clear picture of how the Ford Taurus X stacks up against various other models, offering potential buyers and current owners valuable insights into their insurance investment.
Insurance Rates for Vehicles Similar to the Ford Taurus X
Understanding the insurance costs for vehicles similar to the Ford Taurus X can help prospective buyers and current owners gauge how rates are influenced by vehicle type and coverage options. Below is a comparison of annual insurance expenses for various models that share characteristics with the Ford Taurus X.
Ford Taurus X Auto Insurance Monthly Rates vs. Similar Cars by Coverage Type
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Nissan Versa | $23 | $47 | $31 | $114 |
| Lexus LS 460 | $34 | $68 | $30 | $143 |
| Chevrolet Cruze | $26 | $50 | $31 | $119 |
| Cadillac CT6 | $32 | $65 | $33 | $143 |
| Audi S4 | $31 | $62 | $28 | $132 |
| Volkswagen Passat | $29 | $52 | $31 | $125 |
| Hyundai Elantra | $23 | $47 | $31 | $114 |
| Audi A6 | $32 | $62 | $33 | $140 |
The data provided illustrates the range of insurance costs associated with vehicles comparable to the Ford Taurus X, from economical models like the Nissan Versa to luxury options such as the Lexus LS 460. This information aids in making informed decisions about potential insurance expenses based on comprehensive, collision, and liability coverage.
Read more: Chrysler Auto Insurance
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Ways to Save on Ford Taurus X Auto Insurance
If you want to reduce your Ford Taurus X insurance costs, follow these tips:
- Pay annual Ford Taurus X auto insurance rates upfront.
- Ask about car insurance discounts for safe driving, garaging a vehicle, or adding a driver.
- Reduce auto insurance coverage on an older Taurus X.
- Improve your credit score.
Comparing car insurance online will give you the chance to compare rates, discounts, and coverage options from multiple companies at once. This way, you can see which offers the best Ford Taurus X auto insurance rates based on your individual characteristics.
Average Ford Taurus X auto insurance rates will vary, and yours can be higher or lower depending on the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your Ford Taurus X. Learn the factors that affect auto insurance rates.
Top Ford Taurus X Auto Insurance Companies
When it comes to insuring the Ford Taurus X, choosing the right auto insurance provider is crucial. This list highlights the largest insurers by market share, showcasing those favored by Ford Taurus X owners across the nation. Discover insights in our guide titled, “What are the recommended auto insurance coverage levels?”
The data above not only reflects the popularity of these insurers among Ford Taurus X drivers but also helps potential policyholders identify which companies hold significant sway in the market.
For Ford Taurus X drivers seeking dependable coverage, Chubb's A++ rating from A.M. Best is a clear indicator of reliability and trust.Kristen Gryglik Licensed Insurance Agent
Understanding these trends can aid in making informed decisions about which insurer offers the best coverage and customer satisfaction for their specific needs.
Largest Auto Insurers by Market Share
Understanding the landscape of the auto insurance market is essential for consumers looking to make informed choices. The list below shows the largest auto insurers by market share, reflecting their prominence and influence in the industry.
Top Ford Taurus X Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66,153,063 | 9.1% |
| #2 | Geico | $46,358,896 | 6.4% |
| #3 | Progressive | $41,737,283 | 5.7% |
| #4 | Allstate | $39,210,020 | 5.4% |
| #5 | Liberty Mutual | $36,172,570 | 5% |
| #6 | Travelers | $28,786,741 | 4% |
| #7 | USAA | $24,621,246 | 3.4% |
| #8 | Chubb | $24,199,582 | 3.3% |
| #9 | Farmers | $20,083,339 | 2.8% |
| #10 | Nationwide | $18,499,967 | 2.5% |
This data on the largest auto insurers by market share illustrates the competitive dynamics of the insurance sector and helps consumers identify the major players. Such information can guide decisions when choosing an insurer that aligns with their coverage needs and financial preferences.
The Bottom Line on Ford Taurus X Auto Insurance
Since the Ford Taurus X is no longer in production, you may need to buy classic or collector auto insurance. Read our guide to determine if your car qualifies for classic auto insurance, but you typically can’t drive over a certain number of days or miles annually.
If you drive your Ford regularly, you’ll need at least minimum liability insurance. Compare quotes online for different coverage options to get the best rates. Enter your ZIP code above to get free Ford Taurus X auto insurance quotes today.
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Frequently Asked Questions
How much are Ford Taurus X auto insurance rates?
Average Ford Taurus X insurance quotes are $185 per month, but your rates will vary based on your driving record and where you live.
For additional details, explore our comprehensive resource titled, “How do auto insurance payments work?“
What kind of coverage do I need for a Ford Taurus X?
Every driver must carry minimum liability insurance to legally drive in their state.
How can I lower my Ford Taurus X auto insurance rates?
The Ford Taurus X has numerous safety features that can help reduce car insurance rates. Ask about safety and anti-theft device discounts and more savings for your safe driving habits.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
What are the safety features and ratings for the Ford Taurus X?
The Ford Taurus X received the 2008 Top Safety Pick from the Insurance Institute of Highway Safety (IIHS) for its driver and passenger restraints and head protection.
Why did they stop making the Ford Taurus X?
After the automotive crisis of 2008-10, manufacturers stopped producing the full-size crossover Taurus X in favor of smaller models.
To find out more, explore our guide titled, “Best Ford Taurus Auto Insurance.”
What is the typical cost of Ford Taurus car insurance?
The cost of Ford Taurus car insurance varies depending on several factors including your location, driving history, and the specific model year. However, owners can expect competitive rates tailored to the safety features and performance of the Ford Taurus.
How can I find affordable Ford Taurus insurance costs?
To find affordable Ford Taurus insurance costs, it’s advisable to compare quotes from multiple providers, check for any eligible discounts like multi-car insurance or safe driver discounts, and consider adjusting your coverage levels based on your specific needs.
Are there any Taurus insurance reviews that suggest the best provider?
Taurus insurance reviews often highlight top providers like Chubb, AAA, and Amica for their reliable coverage and customer service. Reading through these reviews can help you gauge which insurer offers the best terms and services for Ford Taurus owners.
Why did Ford discontinue the Ford Taurus X, and how does it affect insurance rates?
Ford discontinued the Ford Taurus X to focus on smaller, more efficient models, which may affect insurance rates due to its status as a less common, older vehicle, potentially increasing premiums due to parts scarcity.
Delve into our evaluation of “How to Save on Auto Insurance With Three Vehicles.”
How does the longevity of the Ford Taurus X impact its insurance costs?
The Ford Taurus X’s potential to last over 200,000 miles can lead to lower insurance costs over time, as its durability and reliability are considered positively by insurers.
When was the Ford Taurus X first introduced, and what’s its effect on current insurance rates?
Introduced in 2008, the Ford Taurus X’s age might influence current insurance rates, generally resulting in lower premiums compared to newer vehicles due to decreased replacement costs.
What model replaced the Ford Taurus X, and how does it compare in terms of insurance?
The Ford Flex replaced the Ford Taurus X; insurance rates for the Flex might be slightly higher due to newer technology and higher replacement costs.
Is the Ford Taurus X expensive to insure compared to similar models?
The Ford Taurus X typically incurs moderate insurance costs, similar to other vehicles in its class, but specific factors like safety ratings and repair costs play a significant role.
To learn more, explore our comprehensive resource on “Factors That Affect Auto Insurance Rates.”
What engine options are available for the Ford Taurus X, and how do they affect insurance rates?
The Ford Taurus X commonly features a 3.5L V6 engine, which balances power and efficiency, potentially leading to more favorable insurance rates due to its standard performance metrics.
Why is the Ford Taurus X notably heavy, and what impact does this have on insurance?
The Ford Taurus X’s weight due to its size and safety features could lead to higher insurance costs, as heavier vehicles can cause more damage in collisions.
What is the Ford Taurus X known for, and how does this affect its insurance premiums?
Known for its safety and family-friendly design, the Ford Taurus X may benefit from lower insurance premiums due to its appeal to safer, more responsible drivers.
What is the top speed of the Ford Taurus X, and does it influence insurance costs?
The top speed of the Ford Taurus X is around 115 mph, which is typical for its class and unlikely to significantly impact insurance costs as it does not emphasize high-performance risks.
Access comprehensive insights into our guide titled, “Top 7 Factors That Affect Auto Insurance Rates.”
What was the recall on the 2008 Ford Taurus X, and how does it impact insurance?
The 2008 Ford Taurus X recall for airbag issues could affect insurance rates slightly, as vehicles with recall histories may be viewed as higher risks by some insurers.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
