Ford Taurus Insurance Rates

U.S. average insurance prices for a Ford Taurus are $1,364 every 12 months including full coverage. Comprehensive insurance costs around $280 each year, collision costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage 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 for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Ford Taurus insurance rates for additional coverage choices and driver risks.

• The best discount rate is $792
• Using higher $1,000 deductibles will save about $172 every year
• The average price for the average middle-age driver using $500 deductibles is $1,364
• Using low deductibles for physical damage coverage costs an extra $330 every year
• Drivers who are prone to accidents and violations could pay at least $2,950 or more
• The price to insure a teen driver can be $5,164 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $510 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted 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 Low Cost Ford Taurus Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a review of the material that was touched on above.

• Policyholders who may need more liability protection will pay an extra $500 per year to increase from a low limit to a 250/500 level
• Youthful drivers are expensive to insure, possibly costing $430 a month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,590 more every year than a low-risk driver
• Increasing physical damage deductibles could save as much as $500 each year