Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,308 a year with full coverage. Comprehensive costs an estimated $268 a year, collision costs $422, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,820. Teenage drivers pay the highest rates at $4,978 a year or more.

Average premium for full coverage: $1,308

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area 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 details estimated Ford Taurus insurance rates for other coverage scenarios.

• The best discount rate is $764
• Drivers who choose higher $1,000 deductibles will pay approximately $1,150 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,308
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,610
• High risk drivers who are prone to accidents and violations could pay up to $2,820 or more
• The price for full coverage for a teen driver can cost as much as $4,978 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $460 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different 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 the Cheapest Ford Taurus Insurance

Getting lower rates on Ford Taurus insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting early and online
• High-risk drivers that have major violations or accidents may pay on average $1,510 more annually than a safer driver
• Increasing physical damage deductibles can save around $450 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $415 a month if they have full coverage