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1995 Ford Taurus Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 17, 2020

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Average insurance rates for a 1995 Ford Taurus are $934 a year for full coverage insurance. Comprehensive costs on average $154 each year, collision costs $180, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,998. Teenage drivers receive the highest rates at $3,778 a year or more.

Annual premium for full coverage: $934

Rate estimates for 1995 Ford Taurus Insurance

Comprehensive $154
Collision $180
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1995 Ford Taurus models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $496 for only liability insurance to a high rate of $1,998 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $934
High Risk $1,998

View Chart as Image

1995 Ford Taurus insurance rates compared
Column chart showing 1995 Ford Taurus insurance prices range from $574 to $3,778 for full coverage

These differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1995 Ford Taurus Insurance

Searching Companies

Beginners to comparing insurance rates online might discover finding cheap insurance coverage quite challenging.

It’s important to shop coverage around before your policy renews since rates go up and down regularly. Despite the fact that you may have had the best price for Taurus insurance a few years ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about insurance coverage because you’re about to learn the best way to save on insurance coverage.

If you have car insurance now, you will be able to lower your premiums substantially using this information. The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. Nevertheless, drivers do need to understand how companies compete online and use this information to your advantage.

The best way we recommend to compare rate quotes takes advantage of the fact most of the bigger providers allow for online access to give you rate quotes. The one thing you need to do is give the companies some data like marital status, deductibles desired, types of safety features, and if you have a valid license. Your information gets sent immediately to multiple different insurance companies and they provide comparison quotes within a short period of time.

To find lower rates now, click here and complete the quick form.

Do you qualify for discounts?

Companies offering auto insurance don’t list every discount very well, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Club Memberships – Affiliation with a qualifying organization could trigger savings on auto insurance for Taurus insurance.
  • No Claims – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Taurus insurance.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Taurus insurance with a few auto insurance companies.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurance companies offering auto insurance discounts, click here.

Free Auto Insurance Comparison

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Don’t assume everyone needs the same coverage

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

  • Should I carry comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should my medical payments coverage be?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is covered by UM/UIM coverage?
  • Do all my vehicles need collision coverage?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form.

Auto insurance coverage information

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, vandalism and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills for things like X-ray expenses, EMT expenses, ambulance fees and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your Taurus from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, damaging your car on a curb, crashing into a building, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as medical services, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Taurus.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Smart shoppers get results

We’ve covered some good ideas how to get a better price on 1995 Ford Taurus insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from an unexpected company.

Drivers leave their current company for a variety of reasons including questionable increases in premium, being labeled a high risk driver, an unsatisfactory settlement offer or extreme rates for teen drivers. Whatever your reason, switching insurance companies is not as hard as you think.

Cheaper insurance can be found both online as well as from independent agentsinsurance , so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

For more information, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1995 Ford Taurus Insurance Rates by City
City Premium
New York City, NY $1,476
Los Angeles, CA $1,596
Philadelphia, PA $1,249
Jacksonville, FL $1,357
Phoenix, AZ $1,086
Chicago, IL $1,256
Houston, TX $1,464
Seattle, WA $912
Columbus, OH $782
Indianapolis, IN $796

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1995 Ford Taurus Insurance Rates by Driver Age
Driver Age Premium
16 $3,778
20 $2,126
30 $948
40 $934
50 $858
60 $840

Full coverage, $500 deductibles

Rates by Deductible

1995 Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,078
$250 $1,012
$500 $934
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $934
50/100 $1,022
100/300 $1,133
250/500 $1,420
100 CSL $1,067
300 CSL $1,310
500 CSL $1,487

Full coverage, driver age 40

Rates for High Risk Drivers

1995 Ford Taurus Insurance Rates for High Risk Drivers
Age Premium
16 $5,306
20 $3,382
30 $2,012
40 $1,998
50 $1,912
60 $1,892

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $122

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $360
Rate after discounts $574

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1995 Ford Taurus Insurance Rates by State
State Premium
Alabama $846
Alaska $718
Arizona $776
Arkansas $934
California $1,064
Colorado $894
Connecticut $960
Delaware $1,056
Florida $1,170
Georgia $862
Hawaii $672
Idaho $632
Illinois $698
Indiana $704
Iowa $630
Kansas $888
Kentucky $1,274
Louisiana $1,384
Maine $576
Maryland $772
Massachusetts $750
Michigan $1,624
Minnesota $782
Mississippi $1,120
Missouri $830
Montana $1,004
Nebraska $738
Nevada $1,122
New Hampshire $674
New Jersey $1,044
New Mexico $826
New York $984
North Carolina $540
North Dakota $764
Ohio $646
Oklahoma $960
Oregon $856
Pennsylvania $892
Rhode Island $1,248
South Carolina $846
South Dakota $790
Tennessee $820
Texas $1,126
Utah $692
Vermont $640
Virginia $560
Washington $724
West Virginia $856
Wisconsin $648
Wyoming $834

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