Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,364

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

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

The examples above show why it is important to compare rates for a targeted area, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $792
• Drivers who choose higher $1,000 deductibles will pay approximately $1,192 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,364
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $330 a year
• High risk drivers with serious driving violations could pay up to $2,950 or more
• Policy cost that insures a teen driver can cost as much as $5,164 a year

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the trim level of your Taurus, how you drive, and liability limits and deductibles.

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, 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 at least $5,100 a year. View Rates by Age

Your home state makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 each year, while buying higher liability limits will increase premiums. Going 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

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, and rates will be varied.

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 Ford Taurus insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at every policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The next list is a brief summary of the data raised in the charts and tables above.

• Drivers who want increased levels of liability coverage will pay approximately $500 each year to go from a 30/60 limit to the 250/500 level
• Drivers can save approximately $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers age 20 and younger are expensive to insure, costing up to $430 each month if comprehensive and collision insurance is included