Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage. Comprehensive insurance costs an estimated $268, collision costs $422, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $2,820 or more. 16-year-old drivers cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The price range example below illustrates how your location can change insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Ford Taurus insurance rates for other coverage scenarios.

• The best full coverage rate is $764
• Choosing higher $1,000 deductibles can save approximately $158 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,308
• Buying more expensive low deductibles for comp and collision coverage costs an additional $302 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,820 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,978 each year

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Auto insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as low 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 have to pay at least $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 could be paying $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $460 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Taurus insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.

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Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied between companies.

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 Affordable Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the information illustrated above.

• Drivers can save approximately $150 per year simply by shopping early and online
• Drivers age 16 to 20 are the costliest to insure, costing up to $415 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,510 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay around $510 each year to raise limits from a 30/60 limit to higher 250/500 limits