Ford Taurus Insurance Rates

U.S. average auto insurance rates for a Ford Taurus are $1,364 annually including full coverage. Comprehensive insurance costs approximately $280, collision insurance costs $470, and liability insurance costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $2,950 or more. Teenage drivers pay the highest rates at up to $5,164 a year.

Average premium for full coverage: $1,364

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Taurus models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

The ranges above highlight why everyone should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

The chart below breaks down average Ford Taurus insurance rates for additional coverage and risk scenarios.

• The best discount rate is $792
• Drivers who choose higher $1,000 deductibles will pay $172 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,364
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $330 a year
• High risk drivers who are prone to accidents and violations could pay around $2,950
• The price with full coverage for a teen driver for full coverage can cost $5,164 a year

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Ford Taurus insurance for high-risk drivers can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, New York, and Michigan.

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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 the Best Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance not only requires having a good driving record, but also having good credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the primary concepts that were illustrated above.

• You may be able to save around $160 per year just by quoting online well ahead of the renewal date
• High-risk drivers who tend to receive serious violations may have to pay on average $1,590 more per year to buy Ford Taurus insurance
• Increasing physical damage deductibles could save up to $500 each year
• Drivers age 20 and younger are the costliest to insure, possibly costing $430 a month if they have full coverage