Ford Taurus Insurance Rates

Estimated insurance rates for a Ford Taurus are $1,402 a year for full coverage insurance. Comprehensive costs an estimated $292 each year, collision insurance costs $500, and liability is estimated at $452. A policy with only liability insurance costs approximately $504 a year, and a high-risk policy costs around $3,030. Teenage drivers pay the most at up to $5,274 a year.

Average premium for full coverage: $1,402

Premium estimates broken down by type of coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and 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 insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why all drivers should get quotes for a targeted area, instead of using average rates.

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

Rate Comparisons

The chart below illustrates average Ford Taurus insurance rates for other coverage scenarios.

• The best discount rate is $810
• Choosing higher $1,000 deductibles can save approximately $180 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,402
• Using low deductibles for comp and collision coverage bumps up the cost to $1,748
• Unlucky drivers who are prone to accidents and violations could pay up to $3,030
• An auto insurance policy that insures a teen driver can cost as much as $5,274 each year

View Chart as Image

Car insurance prices for a Ford Taurus also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations 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 much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $5,200 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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,890 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $530 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

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

Finding better rates on car insurance takes avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Compare prices every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the material that was covered above.

• Policyholders who want higher liability limits will pay an extra $500 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenagers have the highest car insurance prices, with premiums being up to $440 per month if full coverage is purchased
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,630 more annually for car insurance
• Increasing policy deductibles can save approximately $525 each year