Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive costs approximately $268 each year, collision insurance costs $422, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,820. Teenage drivers pay the most at up to $4,978 a year.

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why all drivers should compare prices using their specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Ford Taurus insurance rates for additional coverage and risk scenarios.

• The best discount rate is $764
• Using higher $1,000 deductibles will save $158 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,308
• Using low deductibles for physical damage coverage bumps up the cost to $1,610
• Higher-risk drivers who are prone to accidents and violations could pay around $2,820
• An auto insurance policy that insures a teenage driver can cost $4,978 or more

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 128% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $460 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Ford Taurus Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a recap of the coverage data covered above.

• It is possible to save around $150 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $450 each year
• Teenagers are expensive to insure, with premiums being up to $415 per month if full coverage is included
• Drivers that have major violations or accidents could be charged and average of $1,510 more per year for car insurance