Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive costs around $268, collision costs $422, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,820. Teenage drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates for individual coverage:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Taurus models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $764
• Drivers who choose higher $1,000 deductibles will pay about $158 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,308
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,610
• High-risk insureds who are prone to accidents and violations could pay at least $2,820 or more
• The price for full coverage for a teenage driver for full coverage can be $4,978 a year

View Chart as Image

Car insurance prices for a Ford Taurus are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,900 a year. View Rates by Age

The state you live in makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $460 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Ford Taurus insurance for high-risk drivers can cost around 42% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Low Cost Ford Taurus Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a review of the material that was covered in the charts and tables above.

• Consumers who may need increased levels of liability coverage will pay an extra $510 annually to go from a low limit to 250/500 limits
• Drivers age 20 and younger are the costliest to insure, as much as $415 a month if full coverage is included
• Drivers who have several accidents or serious violations may pay on average $1,510 more every year to buy Ford Taurus insurance
• Increasing physical damage deductibles can save around $450 each year