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, collision costs $422, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,820. Teens pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Taurus models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on car insurance rates.

The ranges above highlight why everyone should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save around $158 every year
• The average price for the average middle-age driver with $500 deductibles is $1,308
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,610
• Higher-risk drivers with serious driving violations could pay upwards of $2,820 or more
• The price to insure a teenage driver for full coverage may cost $4,978 or more

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Car 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 cut prices by as much as $460 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability 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

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged 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 extra each year, depending on your age. Ford Taurus insurance for high-risk drivers can be around 42% to 128% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices 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

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite 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 Low Cost Ford Taurus Insurance

Getting lower rates on auto insurance requires having a good driving record, maintaining a good credit score, being claim-free, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the data touched on in this article.

• Consumers who require increased levels of liability coverage will pay approximately $510 per year to increase from a low limit to a 250/500 level
• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $450 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $415 a month if the policy includes full coverage