Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year for full coverage. Comprehensive insurance costs on average $268 a year, 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 cost the most to insure at up to $4,978 a year.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location, 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 shows average Ford Taurus insurance rates for different risk profiles and scenarios.

• The best discount rate is $764
• Raising to $1,000 deductibles will save around $1,150 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,308
• Using low $100 deductibles will cost an additional $302 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,820
• Policy cost that insures a 16-year-old driver may cost $4,978

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the trim level of your Taurus, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $460 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

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

Finding cheaper rates on insurance for a Ford Taurus consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare prices once a year by getting price quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief review of the data that was covered in the charts and tables above.

• Drivers can save as much as $150 per year just by quoting early and online
• Insureds who require increased levels of liability coverage will pay an extra $510 each year to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay the highest rates, costing up to $415 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,510 more each year to buy Ford Taurus insurance