Ford Taurus Insurance Rates

The average insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage. Comprehensive costs approximately $280 a year, collision insurance costs $470, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,950. Teenage drivers cost the most to insure at up to $5,164 a year.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above show why it is important to compare prices using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $792
• Using higher $1,000 deductibles will save $1,192 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,364
• Using low $100 deductibles for physical damage coverage increases the price to $1,694
• Higher-risk drivers who are prone to accidents and violations could pay around $2,950
• Policy cost to insure a teenage driver can cost $5,164 or more

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Insurance rates for a Ford Taurus also range considerably based on liability limits and deductibles, your driver profile, and the model of your Taurus.

Using high physical damage deductibles could cut rates by as much as $510 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in New York, Louisiana, 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 Shop for Cheap Ford Taurus Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers that tend to have accidents or serious violations may pay on average $1,590 more per year for car insurance
• Drivers can save around $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Consumers who purchase higher liability limits will pay an extra $500 each year to increase from a 30/60 limit to a 250/500 level