Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,402 a year for full coverage insurance. Comprehensive insurance costs an estimated $292 each year, collision costs $500, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing $3,030 or more. Teen drivers cost the most to insure at $5,274 a year or more.

Average premium for full coverage: $1,402

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

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

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save approximately $180 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,402
• Choosing low deductibles for comp and collision coverage will cost an extra $346 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,030 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,274 each year

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Taurus insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,890 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $530 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

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

Finding cheaper rates on Ford Taurus insurance takes avoiding accidents and claims, maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick review of the data covered above.

• Drivers who want increased liability limits will pay about $500 annually to raise limits from a 30/60 limit to 250/500 limits
• It is possible to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers under the age of 20 are charged the highest rates, possibly costing $440 each month for full coverage