Best Ford Taurus X Auto Insurance in 2025 (Find the Top 10 Companies Here)

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

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.

#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.

#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.

#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.

#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

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.

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 

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.

Understanding these trends can aid in making informed decisions about which insurer offers the best coverage and customer satisfaction for their specific needs.

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.