Ford Taurus Insurance Rates

The average insurance prices for a Ford Taurus are $1,364 every 12 months including full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $470, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $2,950 or more. Teens cost the most to insure at up to $5,164 a year.

Average premium for full coverage: $1,364

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Taurus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $792
• Choosing higher $1,000 deductibles can save about $1,192 every year
• The average price for a good driver age 40 using $500 deductibles is $1,364
• Selecting low $100 deductibles for comp and collision coverage costs an extra $330 every year
• Unlucky drivers with serious driving violations could pay at least $2,950
• Policy cost to insure a teen driver can be $5,164 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Taurus insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Affordable Ford Taurus Insurance

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,590 more every year to buy Ford Taurus insurance
• You may be able to save up to $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Policyholders who may need increased levels of liability coverage will pay approximately $500 per year to raise limits from a 30/60 limit to a 250/500 level