Ford Taurus Insurance Rates

Average insurance rates for a Ford Taurus are $1,308 a year including full coverage. Comprehensive costs approximately $268 a year, collision insurance costs $422, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs around $2,820. Teens receive the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Taurus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $764
• Raising to $1,000 deductibles will save $1,150 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,308
• Selecting low $100 deductibles will increase the cost to $1,610
• Drivers with serious driving violations could pay around $2,820
• The cost for full coverage for a 16-year-old driver can cost $4,978

View Chart as Image

Insurance rates for a Ford Taurus can also vary considerably based on your driver profile, the model of your Taurus, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than the average policy. View High Risk Driver Rates

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 the Best Cheap Ford Taurus Insurance

Saving money on insurance for a Ford Taurus consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following is a quick review of the information covered in the above illustrations.

• You may be able to save around $150 per year just by quoting early and online
• Teens are the costliest to insure, as much as $415 per month including comprehensive and collision insurance
• Increasing deductibles can save around $450 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,510 more per year for Taurus insurance
• Insureds who purchase higher liability limits will pay approximately $510 per year to raise from a minimum limit to 250/500 limits