Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,402 annually including full coverage. Comprehensive insurance costs around $292 each year, collision costs $500, and liability costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $3,030 or more. Teen 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:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Taurus models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $810
• Using higher $1,000 deductibles will save about $180 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,402
• Choosing low deductibles for physical damage coverage costs an additional $346 annually
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,030 or more
• Policy cost with full coverage for a 16-year-old driver can be $5,274 or more

View Chart as Image

Insurance rates for a Ford Taurus also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $530 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Taurus insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,000 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

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 Buy Affordable Ford Taurus Insurance

Finding cheaper rates on insurance for a Ford Taurus requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the information illustrated above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Teen drivers are charged the highest rates, with premiums being up to $440 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,630 more every year to insure their Taurus
• Insureds who may need more liability coverage will pay about $500 per year to increase from a 30/60 limit to higher 250/500 limits