Ford Taurus Insurance Rates

The average insurance prices for a Ford Taurus are $1,364 every 12 months with full coverage. Comprehensive insurance costs on average $280, collision costs $470, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $2,950 or more. Teens cost the most to insure at $5,164 a year or more.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $792
• Drivers who choose higher $1,000 deductibles will pay around $172 annually
• The average price for a good driver age 40 with $500 deductibles is $1,364
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $330 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,950 or more
• Policy cost to insure a teen driver for full coverage may cost $5,164 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Ford Taurus insurance for high-risk drivers can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,840 on average in Florida, Michigan, and New York.

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Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied.

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 Cheaper Ford Taurus Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and taking advantage of discounts. Spend time shopping around at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The points below are a condensed summary of the primary concepts that were touched on above.

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents may pay on average $1,590 more each year to insure a Ford Taurus
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Drivers under the age of 20 are charged the highest rates, as much as $430 each month if comprehensive and collision insurance is included