Ford Taurus Insurance Rates

U.S. average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage. Comprehensive insurance costs on average $268 a year, collision costs $422, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $2,820 or more. Teen drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below shows estimated Ford Taurus insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $764
• Drivers who choose higher $1,000 deductibles will pay around $1,150 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,308
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $302 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,820 or more
• The price with full coverage for a teen driver may cost $4,978 a year

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Insurance prices for a Ford Taurus are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $460 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford Taurus insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, and prices may be quite 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 Cheap Ford Taurus Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief summary of the ideas that were covered in the charts and tables above.

• Teen drivers pay higher prices, with premiums as much as $415 a month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,510 more each year to insure their Taurus
• Increasing physical damage deductibles could save up to $450 each year
• Drivers can save as much as $150 per year simply by quoting early and online