Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,364 a year with full coverage. Comprehensive costs approximately $280 a year, collision costs $470, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,950. 16-year-old drivers cost the most to insure at $5,164 a year or more.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

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

The examples above demonstrate why it is important to compare prices using their specific location, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $792
• Using higher $1,000 deductibles will save $1,192 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,364
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,694
• High-risk insureds with multiple tickets or accidents could pay around $2,950 or more
• Policy cost that insures a 16-year-old driver can cost $5,164 or more

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the trim level of your Taurus, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Utah, Ohio, and New Hampshire, or at least $1,840 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied.

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 Cheaper Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop once a year by requesting rates from direct companies, and also from local insurance agencies.

The next list is a condensed summary of the data that was covered above.

• You may be able to save around $160 per year simply by quoting early and online
• Insureds who purchase increased levels of liability coverage will pay around $500 every year to increase from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $430 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,590 more per year to buy Ford Taurus insurance