Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year including full coverage. Comprehensive costs around $268, collision costs $422, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,820. 16-year-old drivers cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $764
• Drivers who choose higher $1,000 deductibles will pay about $158 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,308
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,610
• Drivers with multiple tickets or accidents could pay at least $2,820 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $4,978 a year

View Chart as Image

Car insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost from 42% to 128% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Your home state makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $460 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes will be varied.

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 Cheap Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus not only requires being safe and accident-free, but also having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a quick review of the information presented in the illustrations above.

• You may be able to save up to $150 per year simply by shopping early and online
• Youthful drivers are the costliest to insure, with premiums being up to $415 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,510 more every year than a low-risk driver
• Insureds who may need more liability protection will pay around $510 per year to go from a 30/60 limit to the 250/500 level