Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive costs an estimated $268 a year, collision costs $422, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,820. Teens pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates broken down by individual coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

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

The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Ford Taurus insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $1,150 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,308
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,610
• High-risk insureds with serious driving violations could pay up to $2,820 or more
• The price for full coverage for a teenage driver can cost as much as $4,978 a year

View Chart as Image

Car insurance prices for a Ford Taurus are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

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

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 128% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every company calculates prices differently, so rate quotes may be quite 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 the Best Ford Taurus Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the data covered above.

• Consumers who want higher liability limits will pay approximately $510 annually to go from a low limit to 250/500 limits
• It is possible to save approximately $150 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $450 each year
• Teens have the highest car insurance prices, as much as $415 a month if full coverage is included