Ford Taurus Insurance Rates

Estimated insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage insurance. Comprehensive costs an estimated $280 each year, collision insurance costs $470, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $2,950. Teens pay the most at up to $5,164 a year.

Average premium for full coverage: $1,364

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

These rate differences illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Ford Taurus insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $792
• Choosing higher $1,000 deductibles can save approximately $172 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,364
• Selecting low deductibles for comp and collision coverage increases the price to $1,694
• High-risk insureds with serious driving violations could pay up to $2,950
• An auto insurance policy to insure a teen driver can cost as much as $5,164 each year

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

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 $890 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,840 on average in Florida, New York, 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 the Best Ford Taurus Insurance

Finding better rates on Ford Taurus insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the material that was touched on above.

• Drivers who want higher liability limits will pay approximately $500 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teens are charged the highest prices, with premiums being up to $430 per month if they have full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,590 more annually for Taurus insurance
• Increasing policy deductibles could save as much as $500 each year