Ford Taurus Insurance Rates

U.S. average insurance prices for a Ford Taurus are $1,308 every 12 months for full coverage. Comprehensive insurance costs on average $268 a year, collision insurance costs $422, and liability coverage is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $2,820 or more. Teenage drivers pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $764
• Raising to $1,000 deductibles will save around $1,150 a year
• The average price for the average middle-age driver with $500 deductibles is $1,308
• Using low $100 deductibles costs an extra $302 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,820
• The price to insure a teenage driver may cost $4,978

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Taurus.

Using high physical damage deductibles can reduce prices by up to $460 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Ford Taurus insurance rates. A middle-age driver might find prices as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Cheap Ford Taurus Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a quick review of the concepts that were touched on in the above illustrations.

• Drivers with a DUI or reckless driving violation pay an average of $1,510 more each year to insure a Ford Taurus
• Drivers under the age of 20 pay higher prices, with premiums as much as $415 a month if full coverage is included
• Drivers can save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $450 each year
• Drivers can save as much as $150 per year just by quoting early and online