Ford Taurus Insurance Rates

Average auto insurance rates for a Ford Taurus are $1,308 annually including full coverage. Comprehensive insurance costs on average $268 a year, collision costs $422, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $2,820 or more. Teenage drivers receive the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Rate estimates by individual coverage type:

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Taurus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

These examples highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based 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 different risk profiles and scenarios.

• The best discount rate is $764
• Raising to $1,000 deductibles will save around $1,150 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,308
• Using low $100 deductibles costs an additional $302 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,820 or more
• The cost with full coverage for a 16-year-old driver may cost $4,978

View Chart as Image

Insurance rates for a Ford Taurus can also vary considerably based on the trim level of your Taurus, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $460 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different 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 Best Cheap Ford Taurus Insurance

Saving money on insurance for a Ford Taurus consists of having a good driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,510 more each year to buy Ford Taurus insurance
• Increasing deductibles could save up to $450 each year
• Drivers age 20 and younger pay higher rates, as much as $415 per month if they have full coverage