Ford Taurus Insurance Rates

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

Average premium for full coverage: $1,308

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Ford Taurus insurance rates for additional coverage and risk scenarios.

• The best discount rate is $764
• Using higher $1,000 deductibles will save $158 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,308
• Using pricier low deductibles for physical damage coverage will cost an extra $302 every year
• Drivers who are prone to accidents and violations could pay around $2,820 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,978 or more

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Car insurance prices for a Ford Taurus also have a wide range based on your driving characteristics, the model of your Taurus, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high 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, where even good drivers will be charged in the ballpark 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 $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles could cut prices by as much as $460 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers can be as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different 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 Cheapest Ford Taurus Insurance

Finding better rates on car insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and avoiding coverage lapses. Spend time shopping around every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the coverage data touched on above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $450 each year
• Youthful drivers pay the highest auto insurance prices, with the cost nearing $415 per month if full coverage is included
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,510 more per year than a low-risk driver