Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year for full coverage. Comprehensive insurance costs approximately $268, collision costs $422, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,820 or more. 16-year-old drivers cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $764
• Using higher $1,000 deductibles will save $158 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,308
• Buying more expensive low deductibles for physical damage coverage will cost an extra $302 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,820 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,978 or more

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on your risk profile, the trim level of your Taurus, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $460 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 42% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates will be varied 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 Affordable Ford Taurus Insurance

Finding cheaper rates on auto insurance requires being a good driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the data that was touched on above.

• Drivers can save around $150 per year simply by shopping early and online
• Consumers who purchase an increased level of liability coverage will pay around $510 each year to increase from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, costing up to $415 each month for full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,510 more per year than a safer driver