Ford Taurus Insurance Rates

U.S. average auto insurance rates for a Ford Taurus are $1,364 annually for full coverage. Comprehensive insurance costs on average $280, collision costs $470, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $2,950 or more. Teenage drivers pay the highest rates at $5,164 a year or more.

Average premium for full coverage: $1,364

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have fewer accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $792
• Drivers who choose higher $1,000 deductibles will pay around $172 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,364
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $330 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,950 or more
• The price with full coverage for a 16-year-old driver with full coverage may cost $5,164 a year

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Affordable Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a brief review of the material that was raised in the charts and tables above.

• Insureds who require an increased level of liability coverage will pay an extra $500 each year to go from a low limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $430 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,590 more each year than a safer driver
• Increasing physical damage deductibles could save up to $500 each year