Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage. Comprehensive insurance costs on average $268, collision insurance costs $422, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $2,820 or more. Teens cost the most to insure at up to $4,978 a year.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows average Ford Taurus insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $764
• Raising to $1,000 deductibles will save around $158 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,308
• Selecting more expensive low deductibles costs an additional $302 annually
• Drivers with serious driving violations could pay upwards of $2,820
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $4,978

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Low Cost Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a review of the data that was presented in the illustrations above.

• Drivers can save as much as $150 per year just by shopping early and online
• Insureds who require higher liability limits will pay approximately $510 each year to raise from a 30/60 limit to higher 250/500 limits
• Teens pay the highest rates, costing up to $415 each month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,510 more each year for Taurus insurance