Ford Taurus Insurance Rates

The average auto insurance rates for a Ford Taurus are $1,308 annually including full coverage. Comprehensive costs on average $268 a year, collision costs $422, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,820. Teens cost the most to insure at $4,978 a year or more.

Average premium for full coverage: $1,308

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $764
• Raising to $1,000 deductibles will save around $1,150 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,308
• Selecting low $100 deductibles will cost $1,610
• At-risk drivers with serious driving violations could pay upwards of $2,820 or more
• Policy cost with full coverage for a teen driver may cost $4,978

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Taurus insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.

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 Buy Cheap Ford Taurus Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the data raised in the charts and tables above.

• Policyholders who require increased levels of liability coverage will pay approximately $510 per year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $415 each month if comprehensive and collision insurance is included