Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive costs approximately $268 a year, collision insurance costs $422, and liability coverage is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,820. Teenage drivers pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why it is important to compare rates quotes using their specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average 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 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,308
• Using low $100 deductibles bumps up the cost to $1,610
• Unlucky drivers who are prone to accidents and violations could pay around $2,820
• The price that insures a teenage driver can cost $4,978

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on the trim level of your Taurus, your age and driving record, and physical damage deductibles and liability limits.

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay 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 $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

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

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

Getting lower rates on auto insurance consists of having a good driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a summary of the data that was covered in the above illustrations.

• It is possible to save around $150 per year just by quoting early and online
• Consumers who purchase increased levels of liability coverage will pay an extra $510 annually to raise from a low limit to the 250/500 level
• Drivers age 20 and younger are the costliest to insure, as much as $415 a month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations could be charged and average of $1,510 more per year to buy Ford Taurus insurance