Ford Taurus Insurance Rates

U.S. average insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage insurance. Comprehensive costs approximately $268 a year, collision insurance costs $422, and liability insurance is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs around $2,820. Teenage drivers pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and their own driving history, rather than relying on average rates.

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

More Rate Details

The chart below illustrates average Ford Taurus insurance rates for additional coverage and risk scenarios.

• The best discount rate is $764
• Choosing higher $1,000 deductibles can save $1,150 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,308
• Using low $100 deductibles for comp and collision coverage increases the price to $1,610
• High-risk insureds who are prone to accidents and violations could pay around $2,820
• The price to insure a teen driver can cost $4,978 each year

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Insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Taurus.

Using high physical damage deductibles can save as much as $460 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

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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 Shop for the Cheapest Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance takes having a decent driving record, having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a recap of the information touched on above.

• It is possible to save around $150 per year just by quoting early and online
• 16 to 18-year-old drivers are expensive to insure, as much as $415 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $450 each year
• High-risk drivers that have major violations or accidents may have to pay on average $1,510 more per year than a driver with a clean driving record
• Drivers who purchase additional liability coverage will pay an extra $510 annually to raise limits from a low limit to a 250/500 level