Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year including full coverage. Comprehensive insurance costs an estimated $268 a year, 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 $2,820 or more. Teenage drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates broken down by individual coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated Ford Taurus insurance rates for other coverage scenarios.

• The best discount rate is $764
• Raising to $1,000 deductibles will save approximately $1,150 every year
• The estimated price for the average middle-age driver who has $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 up to $2,820 or more
• The price that insures a 16-year-old driver can cost as much as $4,978

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on the trim level of your Taurus, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 extra each 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 for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

The state you live in also has a big influence on Ford Taurus insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $460 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Cheap Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus consists of avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Compare prices every couple of years by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a quick review of the material that was covered above.

• Insureds who want increased liability limits will pay an extra $510 per year to raise from a low limit to the 250/500 level
• Drivers under the age of 20 are charged the highest prices, possibly costing $415 a month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,510 more annually to insure a Ford Taurus
• Increasing physical damage deductibles can save approximately $450 each year