Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive insurance costs around $268, collision costs $422, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,820 or more. Teens cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Ford Taurus insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save about $158 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,308
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $302 each year
• Higher-risk drivers with serious driving violations could pay at least $2,820 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $4,978 or more

View Chart as Image

Car insurance rates for a Ford Taurus also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 42% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each insurance company calculates rates differently, so rate quotes will be varied from one company to the next.

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 Cheaper Ford Taurus Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a condensed summary of the data that was covered in the charts and tables above.

• You may be able to save up to $150 per year simply by shopping early and online
• Consumers who may need higher liability limits will pay approximately $510 every year to increase from a 30/60 limit to 250/500 limits
• Teenagers are the costliest to insure, as much as $415 each month if full coverage is included
• Drivers with multiple at-fault accidents pay an average of $1,510 more every year for car insurance