Ford Taurus Insurance Rates

U.S. average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage insurance. Comprehensive insurance costs approximately $268 each year, collision costs $422, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,820 or more. Teen drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Taurus models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $764
• Choosing higher $1,000 deductibles can save $158 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,308
• Choosing low deductibles for comp and collision coverage costs an additional $302 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,820 or more
• The price with full coverage for a teen driver can cost $4,978 each year

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Auto insurance prices for a Ford Taurus are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $460 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices may be quite 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 Cheap Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief summary of the ideas that were covered above.

• Teens have the highest car insurance prices, as much as $415 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,510 more per year for Taurus insurance
• Increasing physical damage deductibles could save up to $450 each year
• It is possible to save around $150 per year simply by quoting online in advance