Ford Taurus Insurance Rates

Estimated insurance prices for a Ford Taurus are $1,402 every 12 months including full coverage. Comprehensive costs around $292, collision insurance costs $500, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $3,030. Teenage drivers pay the most at up to $5,274 a year.

Average premium for full coverage: $1,402

Premium estimates for type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why everyone should compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Ford Taurus insurance rates for additional coverage choices and driver risks.

• The best discount rate is $810
• Drivers who choose higher $1,000 deductibles will pay about $180 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,402
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,748
• High-risk insureds who are prone to accidents and violations could pay at least $3,030
• An auto insurance policy to insure a teenage driver for full coverage can be $5,274 a year

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could save up to $530 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional annually, depending on your age. Ford Taurus insurance for high-risk drivers can cost around 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,000 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Cheaper Ford Taurus Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the data covered in the above illustrations.

• Consumers who may need higher levels of liability will pay an extra $500 per year to go from 30/60 bodily injury limits to a 250/500 level
• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $525 each year
• Teenage drivers are charged the highest prices, with the cost nearing $440 per month if full coverage is included