Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,308

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. 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

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Ford Taurus insurance rates for additional coverage and risk scenarios.

• The best discount rate is $764
• Raising to $1,000 deductibles will save $158 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,308
• Using more expensive low deductibles will cost $1,610
• Higher-risk drivers who are prone to accidents and violations could pay around $2,820 or more
• The cost with full coverage for a teen driver with full coverage can cost $4,978

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months 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 in the ballpark of $4,900 a year. View Rates by Age

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

Using high physical damage deductibles can reduce rates by up to $460 each year, while increasing your policy's liability limits will push rates upward. 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 also has a big influence on Ford Taurus insurance rates. A middle-age driver might find rates 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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 the Best Ford Taurus Insurance

Saving money on Ford Taurus insurance consists of having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

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

• You may be able to save around $150 per year simply by shopping early and online
• High-risk drivers who tend to receive serious violations may have to pay on average $1,510 more per year to buy Ford Taurus insurance
• Increasing deductibles could save up to $450 each year
• Drivers age 20 and younger are the costliest to insure, as much as $415 per month if they have full coverage