Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,364 a year for full coverage insurance. Comprehensive insurance costs around $280 a year, collision costs $470, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,950 or more. 16-year-old drivers pay the most at $5,164 a year or more.

Average premium for full coverage: $1,364

Premium estimates for type of coverage:

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $792
• Using higher $1,000 deductibles will save about $1,192 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,364
• Buying low $100 deductibles for physical damage coverage will cost an additional $330 a year
• Drivers with multiple tickets or accidents could pay at least $2,950 or more
• An auto insurance policy that insures a teen driver can be $5,164 or more

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on the trim level of your Taurus, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $510 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and prices will be substantially 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 More Affordable Ford Taurus Insurance

Finding better rates on Ford Taurus insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a summary of the ideas that were covered in the above illustrations.

• Teenage drivers are charged the highest prices, with premiums being up to $430 per month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,590 more every year for auto insurance
• Increasing policy deductibles can save approximately $500 each year
• It is possible to save up to $160 per year simply by quoting early and online