Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive costs an estimated $268 each year, collision costs $422, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,820. Teens cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $158 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,308
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,610
• High-risk insureds with serious driving violations could pay up to $2,820 or more
• Policy cost that insures a teenage driver can cost as much as $4,978 a year

View Chart as Image

Auto insurance rates for a Ford Taurus also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $460 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

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 the Best Ford Taurus Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare rates at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following is a brief recap of the primary concepts that were illustrated above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Drivers who tend to receive serious violations could be forced to pay on average $1,510 more annually for Taurus insurance
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Teens are the costliest to insure, as much as $415 each month if the policy includes full coverage