Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year including full coverage. Comprehensive costs approximately $268 a year, collision costs $422, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,820. Teenage drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

The ranges above highlight why it is important to compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $764
• Raising to $1,000 deductibles will save $1,150 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,308
• Using low $100 deductibles will increase the cost to $1,610
• Higher-risk drivers who are prone to accidents and violations could pay around $2,820 or more
• The price for full coverage for a teen driver can cost $4,978

View Chart as Image

Car insurance prices for a Ford Taurus are also quite variable based on your driving record, the model of your Taurus, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Ford Taurus insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $460 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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

Getting lower rates on Ford Taurus insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and avoiding coverage lapses. Take the time to comparison shop every year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a brief recap of the coverage data touched on in the above illustrations.

• You may be able to save around $150 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $450 each year
• Teenage drivers pay the highest auto insurance prices, possibly costing $415 a month if full coverage is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,510 more per year for auto insurance