Ford Taurus Insurance Rates

Estimated insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage. Comprehensive costs an estimated $268 a year, collision insurance costs $422, and liability is estimated at $460. A policy with only liability insurance costs approximately $510 a year, and a high-risk policy costs around $2,820. Teens pay the most at up to $4,978 a year.

Average premium for full coverage: $1,308

Premium estimates broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences show why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $764
• Choosing higher $1,000 deductibles can save approximately $1,150 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,308
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,610
• Higher-risk drivers with serious driving violations could pay up to $2,820
• An auto insurance policy to insure a 16-year-old driver can cost as much as $4,978 each year

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Car insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 128% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Ford Taurus insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,870 on average in New York, Louisiana, and Michigan.

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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 Shop for Cheaper Ford Taurus Insurance

Finding better rates on insurance for a Ford Taurus takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around at every policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a condensed summary of the data raised in the charts and tables above.

• Insureds who want higher liability limits will pay approximately $510 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers can save approximately $150 per year just by quoting early and online
• Increasing policy deductibles could save as much as $450 each year
• Teenagers have the highest car insurance prices, as much as $415 per month if the policy includes full coverage