Ford Taurus Insurance Rates

Estimated insurance prices for a Ford Taurus are $1,364 every 12 months including full coverage. Comprehensive costs on average $280 a year, collision insurance costs $470, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,950. Teens pay the most at up to $5,164 a year.

Average premium for full coverage: $1,364

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

These rate differences highlight why it is important to compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Ford Taurus insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $792
• Using higher $1,000 deductibles will save around $1,192 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,364
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,694
• Higher-risk drivers with serious driving violations could pay upwards of $2,950
• An auto insurance policy to insure a teenage driver may cost $5,164 or more

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Taurus.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

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

View Chart as Image

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 Shop for Low Cost Ford Taurus Insurance

Finding better rates on auto insurance requires being a good driver, having good credit, refrain from filing small claims, and determing if full coverage is necessary. Invest the time to compare rates once a year by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a review of the data that was presented in the illustrations above.

• You may be able to save as much as $160 per year just by quoting early and online
• Consumers who require an increased level of liability coverage will pay approximately $500 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 pay the highest prices, with the cost nearing $430 per month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,590 more each year than a safer driver