Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive insurance costs on average $268 each year, collision costs $422, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,820 or more. Teen drivers cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $764
• Raising to $1,000 deductibles will save around $158 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,308
• Choosing low deductibles will cost an extra $302 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,820 or more
• Policy cost for full coverage for a teen driver may cost $4,978

View Chart as Image

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

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Ford Taurus insurance rates. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $460 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted 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 consists of being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick review of the information raised in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Drivers age 16 to 20 are charged the highest rates, as much as $415 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $450 each year
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,510 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay about $510 every year to raise from a 30/60 limit to 250/500 limits