Ford Taurus Insurance Rates

U.S. average insurance prices for a Ford Taurus are $1,308 every 12 months including full coverage. Comprehensive costs on average $268 each year, collision insurance costs $422, and liability insurance costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,820. Teens pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Taurus models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

The ranges above highlight why all drivers should compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Ford Taurus insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $764
• Drivers who choose higher $1,000 deductibles will pay around $158 every year
• The average price for the average middle-age driver with $500 deductibles is $1,308
• Selecting low deductibles for comprehensive and collision insurance increases the price to $1,610
• High risk drivers with serious driving violations could pay upwards of $2,820
• The price to insure a teen driver may cost $4,978 a year

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Insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Taurus.

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

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Ford Taurus insurance rates. A 40-year-old driver 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

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 More Affordable Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the information covered in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting online in advance
• Teens pay higher prices, possibly costing $415 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $450 each year
• High-risk drivers who have multiple accidents or major violations may pay on average $1,510 more each year for Taurus insurance
• Drivers who require higher liability limits will pay approximately $510 per year to go from a low limit to a 250/500 level