Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive costs an estimated $268 each year, collision insurance costs $422, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,820. Teenage drivers cost the most to insure at up to $4,978 a year.

Average premium for full coverage: $1,308

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $764
• Using higher $1,000 deductibles will save approximately $158 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,308
• Using low deductibles for physical damage coverage will increase the cost to $1,610
• High-risk insureds who are prone to accidents and violations could pay up to $2,820
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,978 or more

View Chart as Image

Auto insurance rates for a Ford Taurus also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

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. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,900 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 $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $460 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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

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 Affordable Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires being a safe and courteous driver, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a brief review of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,510 more annually for auto insurance
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Insureds who want higher levels of liability will pay an extra $510 every year to increase from a 30/60 limit to 250/500 limits