Ford Taurus Insurance Rates

Average auto insurance rates for a Ford Taurus are $1,308 annually including full coverage. Comprehensive costs an estimated $268, collision insurance costs $422, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs around $2,820. Teenage drivers receive the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Taurus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below breaks down average Ford Taurus insurance rates for other coverage scenarios.

• The best discount rate is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $158 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,308
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,610
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,820
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,978 a year

View Chart as Image

Insurance rates for a Ford Taurus can also vary considerably based on the trim level of your Taurus, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $460 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

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 Buy More Affordable Ford Taurus Insurance

Saving money on car insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a summary of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, as much as $415 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more annually than a driver with a clean driving record
• Increasing deductibles could save up to $450 each year
• You may be able to save approximately $150 per year just by shopping early and online