Ford Taurus Insurance Rates

U.S. average insurance rates for a Ford Taurus are $1,364 a year including full coverage. Comprehensive costs on average $280 a year, collision costs $470, and liability is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,950. Teenage drivers pay the highest rates at $5,164 a year or more.

Average premium for full coverage: $1,364

Price estimates by individual coverage:

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Taurus trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

The ranges above highlight why it is important to get quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated Ford Taurus insurance rates for different risk profiles and scenarios.

• The best discount rate is $792
• Choosing higher $1,000 deductibles can save around $1,192 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,364
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,694
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,950 or more
• The price that insures a 16-year-old driver may cost $5,164 each year

View Chart as Image

Insurance prices for a Ford Taurus are also quite variable based on the trim level of your Taurus, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

The state you live in 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 be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $510 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, and prices may be quite different.

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 Right Ford Taurus Insurance

Getting lower rates on insurance for a Ford Taurus takes having a good driving record, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices every time your policy renews by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick rundown of the information touched on in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting early and online
• Drivers age 20 and younger pay higher prices, possibly costing $430 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $500 each year
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,590 more each year to buy Ford Taurus insurance
• Insureds who require increased levels of liability coverage will pay an extra $500 per year to raise limits from a low limit to the 250/500 level