Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,364 a year including full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,950. Teens 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 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $792
• Using higher $1,000 deductibles will save $172 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,364
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,694
• High-risk insureds with serious driving violations could pay around $2,950
• Policy cost that insures a 16-year-old driver can cost $5,164 or more

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 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 Cheap Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a brief summary of the car insurance concepts touched on above.

• Drivers considered higher risk that tend to have accidents or serious violations will likely pay on average $1,590 more per year for Taurus insurance
• You may be able to save around $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Insureds who purchase higher liability limits will pay approximately $500 per year to increase from a 30/60 limit to the 250/500 level