Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,364 a year including full coverage. Comprehensive insurance costs an estimated $280, collision costs $470, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,950 or more. Teen drivers pay the most at $5,164 a year or more.

Average premium for full coverage: $1,364

Premium estimates broken down by type of coverage:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Taurus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

These rate differences highlight why everyone should get quotes for a targeted area, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Ford Taurus insurance rates for other coverage scenarios.

• The lowest rate with discounts is $792
• Choosing higher $1,000 deductibles can save approximately $172 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,364
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $330 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,950 or more
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,164 each year

View Chart as Image

Insurance prices for a Ford Taurus also have a wide range based on the model of your Taurus, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 extra annually, depending on your age. Ford Taurus insurance for high-risk drivers ranges as much as 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

Where you choose to live 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 Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $510 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices will be substantially 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 Cheaper Ford Taurus Insurance

Finding better rates on car insurance takes having a good driving record, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Shop around once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a condensed summary of the data that was touched on above.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Policyholders who want increased levels of liability coverage will pay about $500 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger are charged the highest prices, with the cost nearing $430 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,590 more annually to buy Ford Taurus insurance