Ford Taurus Insurance Rates

Average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive costs around $268, collision costs $422, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing around $2,820. Teenage drivers receive the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Taurus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $764
• Raising to $1,000 deductibles will save about $158 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,308
• Using more expensive low deductibles bumps up the cost to $1,610
• Drivers who are prone to accidents and violations could pay at least $2,820 or more
• The cost that insures a 16-year-old driver with full coverage can be $4,978

View Chart as Image

Insurance rates for a Ford Taurus can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 additional per 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

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you live also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

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

With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly 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 Find the Best Ford Taurus Insurance

Saving money on insurance for a Ford Taurus consists of avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,510 more every year to insure a Ford Taurus
• You may be able to save up to $150 per year simply by shopping early and online
• Increasing deductibles can save approximately $450 each year
• Insureds who may need increased liability limits will pay an extra $510 every year to raise from a minimum limit to the 250/500 level