Ford Taurus Insurance Rates

Average auto insurance rates for a Ford Taurus are $1,308 annually for full coverage. Comprehensive insurance costs on average $268 a year, collision insurance costs $422, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,820 or more. Teenage drivers receive the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Taurus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

These examples show why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows 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 $1,150 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,308
• Using low $100 deductibles for physical damage coverage costs an additional $302 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,820
• The cost with full coverage for a 16-year-old driver may cost $4,978 or more

View Chart as Image

Car insurance rates for a Ford Taurus can also vary considerably based on the trim level of your Taurus, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $460 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates 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 Buy Low Cost Ford Taurus Insurance

Saving money on insurance for a Ford Taurus requires being a good driver, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a review of the information presented in the illustrations above.

• Drivers can save as much as $150 per year just by quoting early and online
• Drivers age 16 to 20 are expensive to insure, costing as high as $415 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $450 each year
• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,510 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay an extra $510 each year to increase from a minimum limit to higher 250/500 limits