Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive insurance costs approximately $268 each year, collision costs $422, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,820 or more. Teens pay the most at $4,978 a year or more.

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save $158 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,308
• Selecting low deductibles for physical damage coverage will cost an extra $302 annually
• High-risk insureds with serious driving violations could pay around $2,820 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost $4,978 or more

View Chart as Image

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

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 42% to 128% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.

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 better rates on insurance for a Ford Taurus requires having a decent driving record, having good credit, being claim-free, and not having any coverage lapses. Spend time shopping around every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the information touched on above.

• You may be able to save around $150 per year simply by quoting online in advance
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $415 per month if they have full coverage
• Increasing policy deductibles can save around $450 each year
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,510 more per year than a driver with a clean driving record
• Insureds who purchase additional liability coverage will pay approximately $510 every year to increase from 30/60 bodily injury limits to 250/500 limits