Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage insurance. Comprehensive insurance costs an estimated $268, collision costs $422, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,820 or more. Teens cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $764
• Raising to $1,000 deductibles will save approximately $158 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,308
• Selecting more expensive low deductibles costs an additional $302 every year
• At-risk drivers with serious driving violations could pay up to $2,820 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,978

View Chart as Image

Car insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.

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 Buy Cheap Ford Taurus Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, being claim-free, and not having any coverage lapses. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the material that was covered in the above illustrations.

• Policyholders who want an increased level of liability coverage will pay approximately $510 annually to raise from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $415 each month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,510 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save up to $450 each year