Ford Taurus Insurance Rates

U.S. average insurance prices for a Ford Taurus are $1,308 every 12 months including full coverage. Comprehensive costs an estimated $268 a year, collision costs $422, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers 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:

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.

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

The ranges above highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $764
• Raising to $1,000 deductibles will save approximately $1,150 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,308
• Selecting low $100 deductibles increases the price to $1,610
• Drivers with serious driving violations could pay up to $2,820 or more
• The price to insure a 16-year-old driver can cost as much as $4,978

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $460 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Ford Taurus insurance prices. A middle-age driver might find prices 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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every auto insurance company calculates prices differently, and prices may be quite different.

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 Shop for the Cheapest Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus consists of avoiding accidents and claims, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a recap of the material that was covered above.

• Insureds who want increased liability limits will pay approximately $510 per year to raise from a low limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, possibly costing $415 a month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,510 more annually to insure a Ford Taurus
• Increasing physical damage deductibles could save as much as $450 each year