Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,308

Premium estimates for type of coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

These rate differences show why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $764
• Drivers who choose higher $1,000 deductibles will pay about $158 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,308
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,610
• High-risk insureds who are prone to accidents and violations could pay at least $2,820
• An auto insurance policy for full coverage for a teenage driver for full coverage can be $4,978 a year

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Car insurance prices for a Ford Taurus also have a wide range based on your driving characteristics, the trim level of your Taurus, and deductibles and policy limits.

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

Where you choose to live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $460 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers can cost around 42% to 128% more than a normal 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 the Best Cheap Ford Taurus Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a quick review of the car insurance concepts presented in the illustrations above.

• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,510 more every year to insure their Taurus
• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $450 each year
• Consumers who may need more liability coverage will pay an extra $510 each year to go from 30/60 bodily injury limits to 250/500 limits