Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,364 a year for full coverage. Comprehensive insurance costs an estimated $280, collision costs $470, and liability coverage costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing $2,950 or more. Teenage drivers pay the highest rates at $5,164 a year or more.

Average premium for full coverage: $1,364

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $792
• Using higher $1,000 deductibles will save approximately $172 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,364
• Using more expensive low deductibles for physical damage coverage will cost an additional $330 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,950 or more
• The price that insures a teenage driver with full coverage can cost as much as $5,164 or more

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

The state you live in has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

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 Cheap Ford Taurus Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices at every other renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief summary of the concepts that were touched on in this article.

• Drivers that tend to have accidents or serious violations may pay on average $1,590 more annually to insure a Ford Taurus
• Drivers under the age of 20 are charged the highest prices, with premiums as much as $430 a month if full coverage is included
• Drivers can save approximately $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $500 each year
• Drivers can save approximately $160 per year simply by shopping early and online