Ford Taurus Insurance Rates

The average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive costs approximately $268, collision costs $422, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,820. Teens 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:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $764
• Using higher $1,000 deductibles will save $158 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,308
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,610
• Higher-risk drivers with serious driving violations could pay around $2,820 or more
• Policy cost that insures a teenage driver with full coverage can cost $4,978 or more

View Chart as Image

Car insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be around 42% to 128% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark 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 $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Each insurance company calculates rates differently, so rate quotes will be varied.

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 Ford Taurus Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates every year by getting rate quotes from direct companies, and also from local insurance agencies.

The next list is a brief recap of the coverage data covered in the charts and tables above.

• You may be able to save around $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• Drivers age 20 and younger pay the highest auto insurance rates, as much as $415 each month if full coverage is purchased
• Drivers who tend to receive serious violations may have to pay on average $1,510 more per year to buy Ford Taurus insurance