Ford Taurus Limited Insurance Rates

U.S. average insurance rates for a Ford Taurus Limited are $1,538 a year for full coverage insurance. Comprehensive costs on average $382 each year, collision costs $634, and liability coverage costs $364. Just liability insurance costs as little as $430 a year, with coverage for high-risk drivers costing around $3,304. Teenage drivers pay the highest rates at $5,526 a year or more.

Annual premium for full coverage: $1,538

Price estimates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Taurus Trim Level

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These price ranges illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Ford Taurus Limited are also quite variable based on your driving record, the model year, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age

The state you live in makes a big difference in Ford Taurus Limited insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $680 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates may be quite different from one company to the next.

View Chart as Image

The chart estimates Ford Taurus Limited insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $882. Drivers who use higher $1,000 deductibles will pay around $1,308. The average rate for a 40-year-old male driver using $500 deductibles is $1,538. Using lower $100 deductibles for physical damage coverage can cost as much as $1,986. Drivers with multiple violations and accidents could be charged at least $3,304. The policy rate for full coverage insurance for a teen driver is $5,526.

View Chart as Image