Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive insurance costs an estimated $268, collision costs $422, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,820 or more. Teenage drivers pay the most at $4,978 a year or more.

Average premium for full coverage: $1,308

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $764
• Using higher $1,000 deductibles will save approximately $158 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,308
• Using pricier low deductibles for physical damage coverage will cost an extra $302 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,820 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $4,978 or more

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $460 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium annually, depending on your age. Ford Taurus insurance for high-risk drivers can be from 42% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Right Ford Taurus Insurance

Finding better rates on insurance for a Ford Taurus requires avoiding accidents and claims, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a quick rundown of the information covered above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are the costliest to insure, possibly costing $415 per month if they have full coverage
• Increasing policy deductibles can save around $450 each year
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,510 more annually to insure a Ford Taurus
• Insureds who want increased liability limits will pay an extra $510 every year to increase from 30/60 bodily injury limits to 250/500 limits