Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year for full coverage. Comprehensive costs on average $268, collision costs $422, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,820. Teenage drivers cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $764
• Using higher $1,000 deductibles will save around $158 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,308
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,610
• Drivers who are prone to accidents and violations could pay upwards of $2,820 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $4,978 or more

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on your risk profile, the trim level of your Taurus, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Ford Taurus insurance rates. 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

Using high physical damage deductibles could cut rates by as much as $460 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and 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 Cheaper Ford Taurus Insurance

Finding cheaper rates on Ford Taurus insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a condensed summary of the data raised in the charts and tables above.

• Drivers who require additional liability coverage will pay an extra $510 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save as much as $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $450 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $415 each month including comprehensive and collision insurance