Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year for full coverage. Comprehensive insurance costs an estimated $268, collision insurance costs $422, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $2,820 or more. Teenage drivers pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, 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 average Ford Taurus insurance rates for other coverage scenarios.

• The best discount rate is $764
• Raising to $1,000 deductibles will save approximately $158 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,308
• Using more expensive low deductibles will cost an extra $302 annually
• Drivers who are prone to accidents and violations could pay up to $2,820
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $4,978

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Insurance prices for a Ford Taurus are also quite variable based on your driving record, the trim level of your Taurus, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

The state you live in 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles can reduce prices by up to $460 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 128% more than a normal policy. View High Risk Driver Rates

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 Affordable Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus consists of being a good driver, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a brief review of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, with premiums as much as $415 a month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,510 more annually than a safer driver
• Increasing physical damage deductibles can save around $450 each year
• Drivers can save approximately $150 per year just by shopping early and online