Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,364 annually with full coverage. Comprehensive costs approximately $280, collision costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,950. Teens cost the most to insure at $5,164 a year or more.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below details estimated 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 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,364
• Selecting pricier low deductibles for physical damage coverage will cost $1,694
• High-risk insureds with serious driving violations could pay around $2,950 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $5,164 or more

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Ford Taurus insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,840 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and 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 More Affordable Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires not taking risks behind the wheel, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,590 more per year for Taurus insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Teens are the costliest to insure, as much as $430 each month if they have full coverage