Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year for full coverage insurance. Comprehensive costs on average $268 each year, collision insurance costs $422, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,820. Teenage drivers pay the highest rates at up to $4,978 a year.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Taurus models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates 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 $158 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,308
• Using low deductibles for physical damage coverage will increase the cost to $1,610
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,820
• The price for full coverage for a 16-year-old driver may cost $4,978 or more

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $460 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 128% more than a normal policy. View High Risk Driver Rates

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 Best Cheap Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus requires avoiding accidents and claims, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a quick review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,510 more each year to insure a Ford Taurus
• It is possible to save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $450 each year
• Insureds who require increased liability limits will pay an extra $510 annually to increase from a low limit to 250/500 limits