Ford Taurus Insurance Rates

Estimated auto insurance rates for a Ford Taurus are $1,308 annually for full coverage insurance. Comprehensive costs approximately $268, collision costs $422, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,820. Teenage drivers pay the most at $4,978 a year or more.

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

These rate differences illustrate why everyone should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $764
• Choosing higher $1,000 deductibles can save $158 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,308
• Using pricier low deductibles for comp and collision coverage will cost $1,610
• Drivers who are prone to accidents and violations could pay around $2,820 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost $4,978 each year

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Auto insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Ford Taurus insurance for high-risk drivers ranges around 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $460 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay 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.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different 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 Cheaper Ford Taurus Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates every year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a condensed summary of the coverage data touched on in this article.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $450 each year
• Drivers under the age of 20 have the highest car insurance prices, with premiums being up to $415 per month if full coverage is included
• Drivers with multiple at-fault accidents could be forced to pay on average $1,510 more per year to insure a Ford Taurus