Ford Taurus Insurance Rates

Estimated insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $268 each year, collision costs $422, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,820 or more. Teenage drivers pay the most at $4,978 a year or more.

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates 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 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,308
• Using low deductibles costs an extra $302 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,820 or more
• An auto insurance policy to insure a teen driver can cost $4,978

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Insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Taurus.

Using high physical damage deductibles can reduce prices by up to $460 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices will be substantially 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 Shop for Affordable Ford Taurus Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief review of the information illustrated above.

• It is possible to save around $150 per year simply by quoting online in advance
• Teens are the costliest to insure, with premiums being up to $415 per month if full coverage is included
• Increasing policy deductibles could save as much as $450 each year
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,510 more per year for Taurus insurance
• Policyholders who purchase higher liability limits will pay an extra $510 annually to raise from 30/60 bodily injury limits to a 250/500 level