Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated Ford Taurus insurance rates for different risk profiles and scenarios.

• The best discount rate is $764
• Choosing higher $1,000 deductibles can save around $158 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,308
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,610
• Drivers who are prone to accidents and violations could pay upwards of $2,820 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage may cost $4,978 each year

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

A more mature driver with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,870 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles can save as much as $460 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers ranges around 42% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes 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 Cheap Ford Taurus Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Drivers that tend to have accidents or serious violations may pay on average $1,510 more each year to insure a Ford Taurus
• Increasing policy deductibles can save around $450 each year
• Drivers under the age of 20 are expensive to insure, with the cost nearing $415 per month if full coverage is included