Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,364 annually for full coverage insurance. Comprehensive insurance costs approximately $280, collision costs $470, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $2,950 or more. 16-year-old drivers 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:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

The chart below illustrates estimated Ford Taurus insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $792
• Choosing higher $1,000 deductibles can save $172 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,364
• Buying more expensive low deductibles for comp and collision coverage costs an additional $330 each year
• Drivers with multiple tickets or accidents could pay around $2,950 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost $5,164 each year

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have 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 are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,840 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted 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 Cheap Ford Taurus Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the primary concepts that were presented in the illustrations above.

• It is possible to save around $160 per year simply by shopping early and online
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,590 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $500 each year
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $430 each month if full coverage is included