Ford Taurus Insurance Rates

U.S. average insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage insurance. Comprehensive costs an estimated $268 each year, collision costs $422, and liability coverage costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $2,820. Teens pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Taurus models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why all drivers should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Ford Taurus insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $158 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,308
• Selecting low deductibles for comprehensive and collision insurance increases the price to $1,610
• High-risk insureds with serious driving violations could pay up to $2,820 or more
• The price to insure a teenage driver can cost as much as $4,978 a year

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Insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $460 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 128% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company calculates prices differently, and prices may be quite different.

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 the Best Cheap Ford Taurus Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a quick review of the car insurance concepts raised in the charts and tables above.

• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,510 more annually for auto insurance
• It is possible to save approximately $150 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $450 each year
• Consumers who want higher levels of liability will pay approximately $510 annually to go from a low limit to a 250/500 level