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2003 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 18, 2020

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Average insurance rates for a 2003 Ford Taurus are $984 a year for full coverage insurance. Comprehensive costs an estimated $176 a year, collision costs $198, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing around $2,100. Teen drivers receive the highest rates at $3,924 a year or more.

Annual premium for full coverage: $984

Rate estimates for 2003 Ford Taurus Insurance

Comprehensive $176
Collision $198
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 40-year-old driver, prices range go from as low as $504 for just liability coverage to a high of $2,100 for high-risk insurance.

Liability Only $504
Full Coverage $984
High Risk $2,100

View Chart as Image

2003 Ford Taurus insurance rates compared
Column chart showing 2003 Ford Taurus insurance prices range from $603 to $3,924 for full coverage

These differences illustrate why it is important for drivers to compare prices for a targeted area and risk profile, instead of using price averages.

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 2003 Ford Taurus Insurance

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Want lower car insurance rates for your Ford Taurus? Feel like you’re a prisoner to high-priced car insurance? Believe me when I say you’re not the only one. Multiple insurers compete for your business, and it can be difficult to compare rates to discover the definitive best price available.

It’s smart to get comparison quotes once or twice a year because insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates on Taurus coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

Cut prices on Ford Taurus insurance

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be inquired about before you will receive the discount. If you don’t get every credit available, you are throwing money away.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Low Mileage Discounts – Fewer annual miles on your Ford can earn discounted rates on garaged vehicles.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Save over 55 – Mature drivers can possibly qualify for reduced rates on Taurus coverage.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But all discounts will reduce your overall premium however.

For a list of insurers who offer auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight if you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Where can I find high-risk insurance?
  • How can I get my company to pay me more for my totalled car?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I still get insurance after a DUI?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Free Auto Insurance Comparison

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

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Insurance policy coverages for a Ford Taurus

Learning about specific coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, a tree branch falling on your vehicle and vandalism. The maximum payout 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.

Liability coverage – This will cover injuries or damage you cause to people or other property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, repair costs for stationary objects, emergency aid, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses like dental work, nursing services and surgery. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2003 Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Collision coverage – This pays for damage to your Taurus resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox, driving through your garage door and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

We just showed you quite a bit of information on how to shop for 2003 Ford Taurus insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. In many cases, an insured cut full coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Lower-priced insurance is available on the web and with local insurance agents, so you should compare both to get a complete price analysis. Some companies do not offer online price quotes and these small, regional companies work with independent agents.

Additional information is located at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Ford Taurus Insurance Rates by City
City Premium
New York City, NY $1,554
Los Angeles, CA $1,680
Philadelphia, PA $1,313
Jacksonville, FL $1,427
Phoenix, AZ $1,142
Chicago, IL $1,318
Houston, TX $1,542
Seattle, WA $960
Columbus, OH $823
Indianapolis, IN $836

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Ford Taurus Insurance Rates by Driver Age
Driver Age Premium
16 $3,924
20 $2,230
30 $1,000
40 $984
50 $902
60 $882

Full coverage, $500 deductibles

Rates by Deductible

2003 Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,144
$250 $1,072
$500 $984
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $984
50/100 $1,074
100/300 $1,187
250/500 $1,481
100 CSL $1,120
300 CSL $1,368
500 CSL $1,549

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Ford Taurus Insurance Rates for High Risk Drivers
Age Premium
16 $5,522
20 $3,546
30 $2,118
40 $2,100
50 $2,008
60 $1,988

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 $128

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $58
5-yr Claim Free $61
Paid in Full/EFT $35
Advance Quote $42
Online Quote $66
Total Discounts $381
Rate after discounts $603

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

Find companies with the cheapest rates in your area

2003 Ford Taurus Insurance Rates by State
State Premium
Alabama $890
Alaska $754
Arizona $816
Arkansas $984
California $1,120
Colorado $940
Connecticut $1,012
Delaware $1,112
Florida $1,230
Georgia $908
Hawaii $706
Idaho $664
Illinois $732
Indiana $740
Iowa $662
Kansas $934
Kentucky $1,342
Louisiana $1,456
Maine $606
Maryland $810
Massachusetts $786
Michigan $1,710
Minnesota $822
Mississippi $1,178
Missouri $872
Montana $1,056
Nebraska $776
Nevada $1,180
New Hampshire $710
New Jersey $1,100
New Mexico $872
New York $1,036
North Carolina $566
North Dakota $806
Ohio $680
Oklahoma $1,010
Oregon $900
Pennsylvania $938
Rhode Island $1,312
South Carolina $890
South Dakota $830
Tennessee $862
Texas $1,186
Utah $730
Vermont $674
Virginia $588
Washington $762
West Virginia $900
Wisconsin $682
Wyoming $876

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