Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive insurance costs approximately $268, collision costs $422, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,820 or more. Teenage drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Taurus models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $764
• Raising to $1,000 deductibles will save $158 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,308
• Using pricier low deductibles will cost an extra $302 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,820 or more
• The price for full coverage for a teen driver for full coverage can cost $4,978

View Chart as Image

Auto insurance prices for a Ford Taurus are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age

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 $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $460 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Ford Taurus insurance for high-risk drivers is expensive and can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite 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 Right Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a quick rundown of the information touched on in the above illustrations.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Teenagers have the highest car insurance prices, costing up to $415 a month if they have full coverage
• Increasing physical damage deductibles can save around $450 each year
• High-risk drivers with reckless driving or DUI convictions pay on average $1,510 more per year for car insurance
• Drivers who purchase higher liability limits will pay an extra $510 every year to raise from a low limit to 250/500 limits