Cheap Ford Taurus Car Insurance in 2024 (Big Savings With These 10 Companies!)
Explore the cheap Ford Taurus car insurance with State Farm, USAA, and Progressive as the top choices, with rates as low as $45 per month. These companies offer competitive pricing, great customer service, and comprehensive coverage. Choosing one ensures affordable, reliable insurance for your Ford Taurus.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Oct 15, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Discover cheap Ford Taurus car insurance with industry leaders like State Farm, USAA and Progressive, offering rates as low as $45 per month. They offer competitive pricing, excellent service, and comprehensive coverage, ensuring affordable and reliable insurance for your Ford Taurus.
Car insurance is crucial for Ford Taurus owners, with costs varying due to several factors. In this article, we will delve into the different elements that influence the cost of Ford Taurus car insurance, providing you with a comprehensive understanding of what to expect when insuring your Ford Taurus.
Our Top 10 Company Picks: Cheap Ford Taurus Car Insurance
Company Rank Monthly Rates Multi-Policy Discount Best For Jump to Pros/Cons
#1 $45 17% Customer Service State Farm
#2 $48 15% Online Management USAA
#3 $50 10% Flexible Policies Progressive
#4 $52 25% Military Families Liberty Mutual
#5 $55 12% Custom Coverage Geico
#6 $60 14% Vanishing Deductible Nationwide
#7 $63 20% Safe Drivers Allstate
#8 $65 13% Homeowners Farmers
#9 $68 15% Personal Attention American Family
#10 $70 10% Comprehensive Plans Travelers
Take the first step toward cheaper car insurance rates. Enter your ZIP code above to see how much you could save.
- Discover tailored insurance policies for Ford Taurus owner
- Driver age, location, and coverage choices affect costs
- State Farm offers competitive pricing and comprehensive coverage
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Agent Network: State Farm has a large network of agents, providing personalized service.
- High Customer Satisfaction: Known for excellent customer service and responsiveness.
- Wide Range of Insurance Products: Offers a variety of insurance products beyond just auto insurance. See more details on our State Farm car insurance review & ratings.
Cons
- Potentially Higher Rates: Some customers report higher premiums compared to competitors.
- Claim Process Can Be Slow: Claims may take longer to process compared to other insurers.
#2 – USAA: Best for Online Management
Pros
- Top-rated Customer Service: USAA consistently receives high marks for customer satisfaction.
- Low Premiums: In our USAA insurance review & ratings highlights the competitive rates, especially for military members and their families.
- Excellent Financial Strength: Known for its strong financial stability.
Cons
- Limited to Military Members: Only available to active and former military members and their families.
- Limited Physical Locations: Fewer physical branch locations compared to other insurers.
#3 – Progressive: Best for Flexible Policies
Pros
- Innovative Tools: Offers innovative tools like Snapshot for personalized discounts.
- Competitive Rates: Known for competitive rates, especially for high-risk drivers.
- Wide Range of Discounts: Provides numerous discounts to help lower premiums.
Cons
- Mixed Customer Service Reviews: Customer service reviews vary, with some complaints about responsiveness.
- Customer reviews for Progressive’s customer service can be mixed. Explore our Progressive car insurance review & ratings for more details.
- Higher Rates for Some Drivers: Premiums can be higher for drivers with a less-than-perfect driving record.
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#4 – Liberty Mutual: Best for Military Families
Pros
- Strong Financial Stability: As mentioned in our Liberty Mutual review and rating, Liberty Mutual has a strong financial strength rating.
- Good Coverage Options: Offers a wide range of coverage options and endorsements.
- Discount Programs: Provides various discount programs to help customers save money.
Cons
- Mixed Customer Reviews: Some customers report dissatisfaction with claims handling and customer service.
- Higher Premiums for Some: Premiums may be higher compared to other insurers.
#5 – Geico: Best for Custom Coverage
Pros
- Competitive Rates: Geico is known for offering some of the lowest rates in the industry.
- Fast and Easy Online Tools: Offers an easy-to-use website and mobile app for managing policies.
- High Customer Satisfaction: As mentioned in our Geico car insurance discounts, the company generally receives positive reviews for customer service.
Cons
- Limited Agent Interaction: Geico primarily operates online and over the phone, with limited face-to-face interaction.
- Limited Coverage Options: May have fewer coverage options compared to other insurers.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Strong Nationwide Presence: Offers insurance products in all 50 states.
- Multi-Policy Discounts: Provides discounts for bundling auto insurance with other policies.
- Good Customer Service: Generally receives positive feedback for customer service. Delve into our evaluation of Nationwide insurance review & ratings.
Cons
- Higher Premiums for Some: Premiums may be higher in certain regions or for certain drivers.
- Limited Digital Tools: Some customers report that the online and mobile tools could be more user-friendly.
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#7 – Allstate: Best for Safe Drivers
Pros
- Wide Range of Coverage Options: Offers a variety of coverage options and features.
- Excellent Customer Service: Known for good customer service and claims handling. For more information, read our Allstate insurance review & ratings.
- Innovative Tools: Provides tools like Drivewise for personalized driving feedback and discounts.
Cons
- Higher Premiums: Premiums can be higher compared to some other insurers.
- Limited Discounts: Offers fewer discounts compared to some competitors.
#8 – Farmers: Best for Homeowners
Pros
- Personalized Service: Farmers agents provide personalized service and advice.
- Strong Financial Stability: As outlined in our Farmers insurance review & ratings, the company has a good financial strength rating.
- Comprehensive Coverage Options: Offers a variety of coverage options to meet different needs.
Cons
- Higher Premiums: Premiums may be higher compared to other insurers.
- Average Customer Service: Some customers report average experiences with claims and service.
#9 – American Family: Best for Personal Attention
Pros
- Strong Customer Service: Receives positive reviews for customer service.
- Bundle Discounts: As mentioned in our American Family insurance review & ratings, American Family offers discounts for bundling multiple policies.
- Local Agents: Provides support through a network of local agents.
Cons
- Limited Coverage Options: May have fewer coverage options compared to larger insurers.
- Mixed Customer Satisfaction: Reviews vary, with some customers reporting dissatisfaction with claims handling.
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#10 – Travelers: Best for Comprehensive Plans
Pros
- Wide Range of Products: Offers a variety of insurance products in addition to auto insurance.
- Strong Financial Stability: Travelers insurance review & ratings highlights the company’s strong financial strength rating.
- Good Customer Service: Generally receives positive feedback for customer service.
Cons
- Higher Premiums for Some: Premiums may be higher compared to other insurers.
- Limited Digital Tools: Some customers report that online tools could be more user-friendly.
Factors That Influence the Cost of Ford Taurus Car Insurance
There are several key factors that insurance companies take into account when determining the cost of car insurance for a Ford Taurus. These factors include:
- Age and Driving Experience: Younger and less experienced drivers generally face higher insurance premiums as they are considered riskier to insure. Additionally, those with a history of accidents or traffic violations may also face higher rates.
- Location: The place where you live can affect your insurance premiums. If you reside in an area with a high rate of accidents, theft, or insurance fraud, your rates may be higher.
- Deductible Amount: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premiums, but it also means you will have to pay more in the event of a claim.
- Coverage Limits: The amount of coverage you choose for your Ford Taurus can impact your premiums. Opting for higher coverage limits will result in higher premiums, while lower coverage limits may lead to lower premiums.
- Vehicle Value: The value of your Ford Taurus can also affect your insurance rates. Newer and more expensive models typically have higher premiums because they are more costly to repair or replace.
- Insurance History: Your past insurance claims and coverage history can influence your premiums. If you have a track record of filing frequent claims, insurance companies may consider you a higher risk.
By considering your age, location, deductible amount, coverage limits, vehicle value, and insurance history, you can potentially lower your insurance costs. Compare quotes from different insurers to find the best coverage at the most competitive rates.
Understanding the Factors That Affect Ford Taurus Car Insurance Rates
When it comes to insuring a Ford Taurus, it’s crucial to understand the specific factors that directly impact your insurance rates.
One key factor is the model year of your Ford Taurus. Newer models tend to have higher insurance rates due to their higher market value and repair costs. On the other hand, older models may have lower rates due to their diminished value.
Your driving record also plays a significant role. If you have a clean driving history with no accidents or tickets, you are likely to qualify for lower insurance rates. However, if you have a history of accidents or traffic violations, your rates may be higher since insurance companies perceive you as a higher risk.
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Furthermore, the location where you live can impact your Ford Taurus insurance rates. In s, such as theft or vandalism, insurance companies may charge higher premiums to compensate for the increased risk. For more information, read our article titled “10 Deadliest Cities for Drivers“.
Your age and driving experience are also factors that come into play. Drivers under the age of 25 generally pay higher premiums since they are statistically more likely to be involved in accidents. Additionally, newer drivers with limited driving experience may also face higher rates.
Lastly, your credit score can affect your insurance rates. Insurance companies often consider credit scores as an indicator of risk. A higher credit score may result in lower rates, while a lower credit score may lead to higher premiums.
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Tips for Finding Affordable Car Insurance for Your Ford Taurus
While car insurance rates for a Ford Taurus may vary, there are several effective tips you can follow to find more affordable coverage options:
- Compare Quotes From Multiple Insurers: Obtain quotes from different insurance providers to compare prices and coverage options. This allows you to find the best deal that suits your needs and budget.
- Increase Your Deductible: Choosing a higher deductible can lower your annual insurance premiums. However, it’s important to ensure you can comfortably afford the deductible amount in the event of a claim.
- Maintain a Clean Driving Record: Avoid accidents, traffic violations, and claims to maintain a clean driving record. Insurance companies often offer lower rates to drivers with a history of safe driving.
- Consider Bundling Your Policies: Many insurance companies offer discounts for bundling multiple policies, such as car and home insurance. Check with your preferred insurer to see if this option is available and can save you money.
- Install Safety and Anti-Theft Devices: Equipping your Ford Taurus with safety features such as anti-lock brakes, airbags, and anti-theft devices can help reduce your insurance premiums. These features make your vehicle less susceptible to accidents and theft. (Read more: Best Safety Features Car Insurance Discounts)
- Take Advantage of Discounts: Insurance companies often offer various discounts, such as safe driver discounts, low-mileage discounts, or discounts for completing defensive driving courses. Inquire about these discounts and see if you are eligible to save on your premiums.
By following these tips, you can potentially lower your car insurance rates for your Ford Taurus.
Comparing Different Insurance Providers for Ford Taurus Coverage
When searching for car insurance for your Ford Taurus, it’s crucial to compare car insurance quotes from various providers to find the best coverage at the most competitive price. Obtain quotes to compare rates, evaluate coverage options to meet your needs, and read customer reviews to gauge service quality.
Ford Taurus Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $63 | $135 |
| American Family | $68 | $145 |
| Farmers | $65 | $140 |
| Geico | $55 | $125 |
| Liberty Mutual | $52 | $122 |
| Nationwide | $60 | $130 |
| Progressive | $50 | $120 |
| State Farm | $45 | $110 |
| Travelers | $70 | $150 |
| USAA | $48 | $115 |
Additionally, check each provider’s financial stability through ratings from reputable agencies to ensure they can fulfill claims, and research the efficiency of their claims process for a smooth experience. This comprehensive comparison ensures you make an informed decision tailored to your requirements.
High Car Insurance Cost for New Ford Taurus Models
Newer Ford Taurus models generally have higher insurance premiums due to their higher market values and costly repairs. Advanced safety features, while enhancing safety, also raise repair costs, contributing to higher premiums.
Additionally, their modern technology makes them more attractive to thieves, increasing the risk. To get an accurate estimate, compare quotes from different insurance providers based on your driving record and location.
Read more: Best Ford Car Insurance Discounts
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Exploring the Average Cost of Ford Taurus Car Insurance in Different States
The average cost of car insurance for a Ford Taurus varies by state due to factors like local laws, population density, and accident frequency. States with higher traffic congestion or stringent insurance requirements typically have higher premiums. Conversely, states with more insurance competition often have lower rates. To get accurate insurance costs, consider your personal factors and obtain quotes from providers in your state.
Read more: Best Car Insurance in Your State
Ford Taurus’s Age Affects Insurance Premiums
The age of your Ford Taurus can significantly impact insurance premiums. Older models typically have lower premiums due to their lower market values and repair costs. However, factors like your driving record and location also affect rates. Conversely, newer models often incur higher premiums because of their higher market values and advanced safety features.
Read more: How does the insurance company determine my premium?
The Impact of Your Driving Record on Ford Taurus Car Insurance Rates
Your driving record significantly affects your Ford Taurus insurance cost. A clean record with no accidents or tickets makes you a low-risk driver, leading to lower premiums. Conversely, a history of accidents or violations increases your perceived risk, resulting in higher rates. Insurance companies use this information to determine your insurance costs.
Insurance providers typically review a driver’s record over the past three to five years when determining rates. Certain infractions, such as driving under the influence (DUI) or multiple at-fault accidents, may have a more significant impact on rates than minor violations like speeding tickets. Avoid DUIs, read our article titled “Drunk Driving Prevention Guide for Teens and Adults“.
However, it’s important to note that not all insurance companies assess driving records in the same way. Some may be more forgiving of minor violations, while others may have stricter policies. Shopping around and obtaining quotes from multiple insurance providers is key to finding the best rates based on your specific driving record.
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Factors Impacting Ford Taurus Insurance Costs by Location
Your location significantly impacts the cost of car insurance for your Ford Taurus. Areas with high traffic, uninsured motorists, or high crime rates lead to higher premiums. Local weather conditions and state laws also influence insurance costs. Providing your accurate address and researching local providers can help you find the best rates.
Read more: The Most and Least Car-Dependent States
Finding Discounts and Savings on Ford Taurus Car Insurance
Ford Taurus owners can reduce insurance premiums through various discounts and savings opportunities. good driver discounts reward safe driving records, while multi-policy discounts apply when bundling car insurance with other policies.
Equipping your taurus with safety features like anti-lock brakes and anti-theft devices can also lower costs. Students with good grades might qualify for good student discounts, and those driving fewer miles than average can benefit from low mileage discounts. Additionally, completing a defensive driving course may lead to reduced premiums. discuss these options with your insurer to maximize your savings.
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Frequently Asked Questions
What factors affect the cost of Ford Taurus car insurance?
The cost of Ford Taurus car insurance can be influenced by several factors including the driver’s age, location, driving history, coverage options, deductible amount, and the insurance company’s rates.
Are Ford Taurus cars generally more expensive to insure compared to other vehicles?
The insurance cost for Ford Taurus cars is typically in line with the average cost for mid-size sedans. However, the actual insurance premium can vary depending on individual circumstances and the insurance provider.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Is it more expensive to insure a new Ford Taurus compared to an older model?
In general, insuring a new Ford Taurus may be slightly more expensive due to the higher value of the vehicle. However, other factors such as safety features and repair costs can also impact insurance rates.
Read more: Best Safety Features Car Insurance Discounts
Are there any specific safety features of the Ford Taurus that could potentially lower insurance costs?
Yes, the Ford Taurus comes equipped with various safety features such as anti-lock brakes, stability control, airbags, and anti-theft systems. These features can potentially lower insurance costs as they reduce the risk of accidents and theft.
Can I get discounts on Ford Taurus car insurance?
Yes, many insurance companies offer discounts that can help reduce the cost of Ford Taurus car insurance. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more. It’s recommended to inquire with insurance providers about available discounts.
How can I lower my insurance premiums for a Ford Taurus?
You can lower your insurance premiums for a Ford Taurus by comparing quotes from multiple insurers, increasing your deductible, maintaining a clean driving record, considering bundling policies, and installing safety devices.
Read more: How does the insurance company determine my premium?
Why do newer Ford Taurus models typically have higher insurance premiums?
Newer Ford Taurus models usually have higher insurance premiums due to their higher market values, increased repair costs, and advanced safety features, which may lead to higher repair expenses.
How does my location affect the cost of insurance for a Ford Taurus?
Your location significantly impacts insurance costs for a Ford Taurus. Areas with high traffic congestion, uninsured motorists, high crime rates, and severe weather conditions tend to have higher insurance premiums.
How can I find cheap car insurance for my Ford Taurus?
To find affordable insurance, compare quotes from multiple providers, consider increasing your deductible, and take advantage of available discounts.
Read more: Best Car Insurance by Vehicle
What should I consider when choosing an insurance provider for my Ford Taurus?
When choosing an insurance provider for your Ford Taurus, consider factors such as the provider’s financial stability, customer service reputation, coverage options, discounts offered, and their claims process efficiency.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
