Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,364 annually including full coverage. Comprehensive insurance costs around $280, 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. Teenage drivers cost the most to insure at $5,164 a year or more.

Average premium for full coverage: $1,364

Policy rates for type of insurance:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $792
• Drivers who choose higher $1,000 deductibles will pay about $172 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,364
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $330 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,950 or more
• Policy cost with full coverage for a teen driver with full coverage can be $5,164 a year

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage 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, where even without any violations or accidents they should be prepared to pay as much as $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 likely paying at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and 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 the Cheapest Ford Taurus Insurance

Finding cheaper rates on Ford Taurus insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the ideas that were touched on in the above illustrations.

• Drivers age 20 and younger are charged the highest rates, with premiums being up to $430 each month if they have full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,590 more every year to buy Ford Taurus insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• You may be able to save up to $160 per year simply by shopping early and online