Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,364

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Taurus models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.

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

The ranges above show why everyone should compare rates quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $792
• Raising to $1,000 deductibles will save about $172 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,364
• Selecting pricier low deductibles will cost an extra $330 every year
• At-risk drivers with serious driving violations could pay at least $2,950 or more
• The price for full coverage for a teen driver for full coverage can be $5,164

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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 deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect 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 prices. A middle-age driver might find prices as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,950 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Ford Taurus insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, so the prices may be quite different from one company to the next.

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 Low Cost Ford Taurus Insurance

Getting lower rates on car insurance consists of being a low-risk driver, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a review of the information raised in the charts and tables above.

• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Teen drivers pay higher prices, with premiums as much as $430 a month for full coverage
• Increasing physical damage deductibles can save around $500 each year
• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,590 more every year to insure their Taurus
• Policyholders who may need more liability coverage will pay approximately $500 each year to raise from a low limit to 250/500 limits