Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive costs on average $268, collision insurance costs $422, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,820. Teenage drivers pay the most at up to $4,978 a year.

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Taurus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $764
• Using higher $1,000 deductibles will save around $158 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,308
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,610
• Drivers who are prone to accidents and violations could pay upwards of $2,820
• An auto insurance policy that insures a teen driver with full coverage may cost $4,978 or more

View Chart as Image

Auto insurance prices for a Ford Taurus also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $460 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

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 Affordable Ford Taurus Insurance

Finding better rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the data that was touched on above.

• It is possible to save as much as $150 per year just by shopping early and online
• Policyholders who require higher levels of liability will pay an extra $510 annually to increase from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are charged the highest prices, with premiums being up to $415 per month if the policy includes full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,510 more each year for auto insurance