Ford Taurus Insurance Rates

The average insurance prices for a Ford Taurus are $1,308 every 12 months including full coverage. Comprehensive insurance costs on average $268, collision insurance costs $422, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,820 or more. 16-year-old drivers cost the most to insure at up to $4,978 a year.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $764
• Drivers who choose higher $1,000 deductibles will pay around $158 every year
• The average price for a good driver age 40 with $500 deductibles is $1,308
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $302 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,820
• Policy cost to insure a teenage driver with full coverage may cost $4,978 a year

View Chart as Image

Car insurance rates for a Ford Taurus also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Taurus.

Opting for high physical damage deductibles could save up to $460 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 128% more than the average rate. View High Risk Driver Rates

Your home state 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 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

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the information touched on above.

• You may be able to save as much as $150 per year just by shopping early and online
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $415 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $450 each year
• Drivers who have multiple accidents or major violations may pay on average $1,510 more each year than a safer driver
• Consumers who require an increased level of liability coverage will pay around $510 per year to go from a 30/60 limit to a 250/500 level