Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,364 a year with full coverage. Comprehensive insurance costs around $280 each year, collision costs $470, and liability insurance is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $2,950 or more. Teenage drivers pay the highest rates at $5,164 a year or more.

Average premium for full coverage: $1,364

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Taurus models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why all drivers should compare rates quotes for a specific zip code, rather than relying on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $792
• Raising to $1,000 deductibles will save about $172 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,364
• Using low deductibles will cost an additional $330 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,950 or more
• The price that insures a teen driver can be $5,164

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age

The state you live in also has a big influence on Ford Taurus insurance rates. A middle-age driver might find prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $510 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices 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 Find the Cheapest Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $160 per year simply by quoting online in advance
• High-risk drivers that have major violations or accidents may pay on average $1,590 more every year for car insurance
• Increasing physical damage deductibles can save approximately $500 each year
• Teenagers are charged the highest prices, costing up to $430 a month if comprehensive and collision insurance is included