Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,308 annually including full coverage. Comprehensive costs approximately $268, collision insurance costs $422, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs around $2,820. Teen drivers cost the most to insure at up to $4,978 a year.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

The chart below breaks down average Ford Taurus insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $764
• Choosing higher $1,000 deductibles can save $158 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,308
• Choosing pricier low deductibles for comp and collision coverage will cost $1,610
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,820
• Policy cost with full coverage for a teen driver for full coverage can cost $4,978 each year

View Chart as Image

Car insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Ford Taurus insurance for high-risk drivers ranges anywhere from 42% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $460 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Right Ford Taurus Insurance

Finding cheaper rates on Ford Taurus insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick rundown of the ideas that were raised in the charts and tables above.

• Teenage drivers pay the highest auto insurance rates, with premiums being up to $415 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,510 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $450 each year
• You may be able to save around $150 per year just by quoting online well ahead of the renewal date