Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive insurance costs an estimated $268, collision insurance costs $422, and liability costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,820 or more. Teens pay the most at up to $4,978 a year.

Average premium for full coverage: $1,308

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates average 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 estimated price for a 40-year-old good driver who has $500 deductibles is $1,308
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $302 every year
• Higher-risk drivers with serious driving violations could pay up to $2,820
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,978 a year

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Insurance prices for a Ford Taurus also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can cost as much as 42% to 128% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Taurus insurance prices. 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.

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Choosing higher comprehensive and collision insurance deductibles could save up to $460 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

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 Ford Taurus Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief recap of the concepts that were illustrated above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,510 more annually than a safer driver
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $415 per month if comprehensive and collision insurance is included
• It is possible to save approximately $150 per year just by shopping early and online
• Increasing policy deductibles can save approximately $450 each year
• It is possible to save approximately $150 per year just by shopping early and online