Ford Taurus Insurance Rates

Estimated insurance prices for a Ford Taurus are $1,308 every 12 months including full coverage. Comprehensive insurance costs around $268 a year, collision costs $422, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance 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:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $764
• Choosing higher $1,000 deductibles can save about $1,150 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,308
• Selecting low $100 deductibles for comp and collision coverage costs an extra $302 each year
• Drivers with serious driving violations could pay at least $2,820 or more
• An auto insurance policy to insure a teenage driver can be $4,978 each year

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 a year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 128% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and prices will be substantially 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 Shop for Cheap Ford Taurus Insurance

Finding better rates on auto insurance takes being safe and accident-free, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Set aside time to shop around at every other renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the concepts that were raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,510 more every year than a low-risk driver
• Youthful drivers are charged the highest prices, with the cost nearing $415 per month if full coverage is included
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $450 each year
• You may be able to save up to $150 per year simply by quoting early and online