Ford Taurus Insurance Rates

The average insurance prices for a Ford Taurus are $1,364 every 12 months for full coverage insurance. Comprehensive insurance costs on average $280 each year, collision costs $470, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,950 or more. Teen drivers cost the most to insure at $5,164 a year or more.

Average premium for full coverage: $1,364

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM 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 insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.

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

The examples above illustrate why all drivers should get quotes based on a specific location and their own driving history, rather than relying on price averages.

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

Rate Comparisons

The chart below illustrates estimated Ford Taurus insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $792
• Choosing higher $1,000 deductibles can save around $172 each year
• The average price for a good driver age 40 with $500 deductibles is $1,364
• Choosing low deductibles for comp and collision coverage costs an extra $330 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,950 or more
• Policy cost to insure a teen driver may cost $5,164 each year

View Chart as Image

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

Choosing high deductibles can save as much as $510 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates

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 $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

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 the Best Ford Taurus Insurance

Finding cheaper rates on Ford Taurus insurance takes being safe and accident-free, having above-average credit, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by quoting rates from direct insurance companies, and also from several local insurance agents.

Below you'll find a brief recap of the concepts that were covered above.

• High-risk drivers who tend to receive serious violations pay on average $1,590 more each year than a low-risk driver
• Youthful drivers pay higher rates, possibly costing $430 each month if full coverage is included
• It is possible to save as much as $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• It is possible to save as much as $160 per year simply by quoting online in advance