Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,364 a year with full coverage. Comprehensive insurance costs an estimated $280 each year, collision costs $470, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,950 or more. Teens cost the most to insure at $5,164 a year or more.

Average premium for full coverage: $1,364

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below details estimated Ford Taurus insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $792
• Using higher $1,000 deductibles will save approximately $172 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,364
• Selecting low deductibles for physical damage coverage will cost an extra $330 annually
• High-risk insureds with serious driving violations could pay up to $2,950 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $5,164 or more

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 liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,840 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 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 $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, 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 Affordable Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,590 more annually to buy Ford Taurus insurance
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $500 each year
• Insureds who want increased levels of liability coverage will pay approximately $500 every year to increase from a 30/60 limit to 250/500 limits