Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,364

Policy rates for type of insurance:

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to 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.

Rate Comparisons

The chart below shows estimated Ford Taurus insurance rates for additional coverage choices and driver risks.

• The best discount rate is $792
• Drivers who choose higher $1,000 deductibles will pay about $1,192 a year
• The average price for a good driver age 40 using $500 deductibles is $1,364
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $330 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,950 or more
• Policy cost to insure a teenage driver can be $5,164 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $510 a year, while buying higher liability limits will increase rates. Going 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

Older drivers 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. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 could be paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, 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 auto insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below is a brief recap of the data touched on in this article.

• Consumers who may need higher levels of liability will pay an extra $500 each year to go from a 30/60 limit to a 250/500 level
• Drivers can save up to $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teenage drivers are charged the highest rates, costing up to $430 each month if full coverage is included