Ford Taurus Insurance Rates

Estimated auto insurance rates for a Ford Taurus are $1,308 annually including full coverage. Comprehensive costs an estimated $268 a year, collision insurance costs $422, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance 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:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

The chart below breaks down average 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 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,308
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,610
• High risk drivers with serious driving violations could pay up to $2,820
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,978 a year

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $460 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.

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 Cheap Ford Taurus Insurance

Finding better rates on Ford Taurus insurance not only requires being a good driver, but also having good credit, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the concepts that were raised in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,510 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $415 per month if they have full coverage
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing policy deductibles could save up to $450 each year
• You may be able to save approximately $150 per year just by quoting early and online