Ford Taurus Insurance Rates

Average insurance rates for a Ford Taurus are $1,442 a year with full coverage. Comprehensive insurance costs approximately $304 a year, collision costs $538, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $3,124 or more. Teen drivers receive the highest rates at $5,402 a year or more.

Average premium for full coverage: $1,442

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Taurus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $828
• Drivers who choose higher $1,000 deductibles will pay $1,250 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,442
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $370 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $3,124 or more
• The cost for full coverage for a teen driver can cost $5,402 a year

View Chart as Image

Insurance rates for a Ford Taurus can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live makes a big difference in Ford Taurus insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $570 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 More Affordable Ford Taurus Insurance

Saving money on Ford Taurus insurance not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every couple of years by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a summary of the material that was illustrated above.

• Drivers who purchase more liability coverage will pay about $490 every year to go from a minimum limit to 250/500 limits
• Teen drivers are the costliest to insure, with premiums as much as $450 per month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay on average $1,680 more per year to insure their Taurus
• Increasing deductibles can save around $550 each year