Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive insurance costs around $268, collision costs $422, and liability coverage costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $2,820 or more. Teens pay the most at $4,978 a year or more.

Average premium for full coverage: $1,308

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why everyone should compare prices for a specific zip code, rather than using averaged prices.

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

Additional Rate Information

The chart below illustrates estimated 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 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,308
• Selecting pricier low deductibles for physical damage coverage will cost an additional $302 each year
• Higher-risk drivers with serious driving violations could pay at least $2,820 or more
• An auto insurance policy that insures a teenage driver for full coverage can be $4,978 or more

View Chart as Image

Car insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers can be around 42% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially 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 Find More Affordable Ford Taurus Insurance

Finding better rates on auto insurance requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a summary of the ideas that were covered above.

• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $415 per month if full coverage is purchased
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more every year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $450 each year
• It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date