Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,308

Policy rates for type of insurance:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details average Ford Taurus insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save about $158 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,308
• Selecting low deductibles for physical damage coverage will cost an extra $302 a year
• Drivers with serious driving violations could pay at least $2,820
• Policy cost for full coverage for a teen driver can be $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 and model year, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $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 $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

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 Ford Taurus insurance requires being a safe and courteous driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the information covered in the above illustrations.

• You may be able to save up to $150 per year just by quoting online in advance
• Teenage drivers are charged the highest rates, as much as $415 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,510 more every year for auto insurance
• Drivers who may need higher levels of liability will pay approximately $510 every year to increase from a 30/60 limit to 250/500 limits