Ford Taurus Insurance Rates

The average insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage. Comprehensive costs approximately $280, collision costs $470, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing around $2,950. Teenage drivers 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:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $792
• Choosing higher $1,000 deductibles can save $172 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,364
• Using pricier low deductibles for comp and collision coverage increases the price to $1,694
• Higher-risk drivers who are prone to accidents and violations could pay around $2,950 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $5,164 each year

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Auto insurance rates for a Ford Taurus also range considerably based on liability limits and deductibles, your driver profile, and the model of your Taurus.

Using high physical damage deductibles can save as much as $510 annually, whereas buying more liability protection will push rates upward. Going 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 low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark 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 could be paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Ford Taurus insurance for high-risk drivers ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Taurus insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in New York, Louisiana, and Michigan.

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Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, 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 the Cheapest Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a recap of the information covered above.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Youthful drivers have the highest car insurance rates, costing up to $430 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,590 more per year than a low-risk driver
• Insureds who purchase more liability protection will pay an extra $500 each year to raise limits from a 30/60 limit to a 250/500 level