Ford Taurus Insurance Rates

Estimated auto insurance rates for a Ford Taurus are $1,308 annually for full coverage. Comprehensive insurance costs an estimated $268, collision costs $422, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,820 or more. Teen drivers pay the most at $4,978 a year or more.

Average premium for full coverage: $1,308

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Ford Taurus insurance rates for other coverage scenarios.

• The lowest rate with discounts is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $158 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,308
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $302 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,820 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $4,978 a year

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Insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your driver profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $460 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,870 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Every company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy Cheaper Ford Taurus Insurance

Finding better rates on insurance for a Ford Taurus not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every couple of years by getting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a condensed summary of the material that was presented in the illustrations above.

• Insureds who want increased liability limits will pay about $510 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 are charged the highest prices, as much as $415 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,510 more annually to insure a Ford Taurus
• Increasing policy deductibles could save up to $450 each year