Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,308

Premium estimates for type of coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences show why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save about $1,150 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,308
• Selecting low $100 deductibles for physical damage coverage will cost an extra $302 annually
• High-risk insureds with serious driving violations could pay at least $2,820 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $4,978 or more

View Chart as Image

Car insurance prices for a Ford Taurus also have a wide range based on your driving characteristics, the trim level of your Taurus, and deductibles and policy limits.

Older drivers with no driving violations 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 be charged as much as $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 $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 128% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to get quotes from multiple companies. Each insurance company calculates prices differently, so rate quotes 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 Cheapest Ford Taurus Insurance

Finding better rates on insurance for a Ford Taurus requires having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a recap of the car insurance concepts touched on above.

• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,510 more every year to buy Ford Taurus insurance
• Drivers can save up to $150 per year simply by quoting early and online
• Increasing policy deductibles can save around $450 each year
• Insureds who may need increased levels of liability coverage will pay approximately $510 each year to increase from 30/60 bodily injury limits to 250/500 limits