Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,402 a year for full coverage insurance. Comprehensive costs around $292 a year, collision costs $500, and liability insurance is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing around $3,030. Teenage drivers cost the most to insure at $5,274 a year or more.

Average premium for full coverage: $1,402

Policy rates for type of insurance:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Details

The chart below illustrates estimated Ford Taurus insurance rates for additional coverage choices and driver risks.

• The best discount rate is $810
• Raising to $1,000 deductibles will save about $1,222 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,402
• Using low $100 deductibles will increase the cost to $1,748
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,030 or more
• Policy cost for full coverage for a teen driver can be $5,274

View Chart as Image

Auto insurance rates for a Ford Taurus also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

Your home state also has a big influence on Ford Taurus insurance rates. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $530 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 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 are probably paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, 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 Cheap Ford Taurus Insurance

Finding cheaper rates on Ford Taurus insurance consists of having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the concepts that were covered in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,630 more every year to buy Ford Taurus insurance
• Drivers age 20 and younger are expensive to insure, possibly costing $440 each month if they have full coverage
• It is possible to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• It is possible to save up to $170 per year simply by quoting early and online