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2007 Ford Taurus Insurance Rates

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

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 2007 Ford Taurus are $1,092 a year with full coverage. Comprehensive costs an estimated $198, collision insurance costs $262, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,346. Teen drivers receive the highest rates at up to $4,310 a year.

Annual premium for full coverage: $1,092

Rate estimates for 2007 Ford Taurus Insurance

Comprehensive $198
Collision $262
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 middle-aged driver, prices range range from as low as $522 for just liability insurance to the much higher price of $2,346 for a high risk driver.

Liability Only $522
Full Coverage $1,092
High Risk $2,346

View Chart as Image

2007 Ford Taurus insurance rates compared
Column chart showing 2007 Ford Taurus insurance prices range from $657 to $4,310 for full coverage

These differences demonstrate why everyone should compare rates for a targeted area and risk profile, rather than 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 2007 Ford Taurus Insurance

Searching Companies

Finding affordable auto insurance is hard for consumers new to comparing rates online. You have so many companies to choose from that it can turn into a ton of work to find the best price.

Pay less by taking advantage of discounts

Car insurance companies do not advertise all their discounts very well, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Taurus coverage.

Drivers should understand that most discounts do not apply the whole policy. Most cut individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, you’re out of luck.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Check with each insurance company what discounts are available to you. All car insurance discounts might not apply in your state.

Compare Insurance Today

There are several ways you can shop for Ford Taurus insurance but one way is more efficient than others. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to get the quickest rates.

Most of the larger companies participate in a marketplace where prospective buyers submit one quote, and each company returns a competitive quote based on the submitted data. This eliminates the need for form submissions to each individual insurance company.

To access this free quoting program, click here (opens in new window).

The single downside to using this type of system is buyers cannot specifically choose the companies you want to price. If you prefer to choose from a list of companies to receive pricing from, we have a page of companies who write insurance in your area. Click to view list.

Whichever way you use, compare apples-to-apples coverage limits on every quote. If you are comparing different limits and deductibles on each one you will not be able to determine the best price for your Ford Taurus. Slightly different limits may result in a large different in cost. And when price shopping your coverage, getting more free quotes provides better odds of finding lower pricing.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if hit by an uninsured driver?
  • Which is better, split liability limits or combined limits?
  • Should I sign the liability waiver when renting a car?
  • Will I lose any money if I cancel my policy before it expires?
  • When can my company non-renew my policy?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Free Auto Insurance Comparison

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

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Specific coverage details

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability

Liability coverage will cover damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as emergency aid, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for collisions

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

Collision coverage pays for claims such as damaging your car on a curb, crashing into a ditch, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Taurus.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills such as chiropractic care, dental work, hospital visits, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Stretch your dollar

Discount 2007 Ford Taurus insurance can be bought online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just covered many ways to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may discover the most savings is with a lesser-known regional company.

People leave their current company for many reasons like an unsatisfactory settlement offer, delays in paying claims, poor customer service or even policy cancellation. It doesn’t matter what your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

More detailed car insurance information is located by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2007 Ford Taurus Insurance Rates by City
City Premium
New York City, NY $1,725
Los Angeles, CA $1,866
Philadelphia, PA $1,462
Jacksonville, FL $1,587
Phoenix, AZ $1,268
Chicago, IL $1,465
Houston, TX $1,711
Seattle, WA $1,066
Columbus, OH $910
Indianapolis, IN $929

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2007 Ford Taurus Insurance Rates by Driver Age
Driver Age Premium
16 $4,310
20 $2,486
30 $1,116
40 $1,092
50 $1,000
60 $980

Full coverage, $500 deductibles

Rates by Deductible

2007 Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,292
$250 $1,200
$500 $1,092
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,092
50/100 $1,187
100/300 $1,305
250/500 $1,613
100 CSL $1,234
300 CSL $1,495
500 CSL $1,685

Full coverage, driver age 40

Rates for High Risk Drivers

2007 Ford Taurus Insurance Rates for High Risk Drivers
Age Premium
16 $6,086
20 $3,964
30 $2,372
40 $2,346
50 $2,242
60 $2,218

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $69
Paid in Full/EFT $41
Advance Quote $49
Online Quote $75
Total Discounts $435
Rate after discounts $657

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

Find companies with the cheapest rates in your area

2007 Ford Taurus Insurance Rates by State
State Premium
Alabama $988
Alaska $836
Arizona $906
Arkansas $1,092
California $1,244
Colorado $1,044
Connecticut $1,122
Delaware $1,236
Florida $1,368
Georgia $1,008
Hawaii $784
Idaho $738
Illinois $814
Indiana $822
Iowa $736
Kansas $1,038
Kentucky $1,488
Louisiana $1,616
Maine $674
Maryland $900
Massachusetts $874
Michigan $1,896
Minnesota $914
Mississippi $1,308
Missouri $968
Montana $1,174
Nebraska $860
Nevada $1,310
New Hampshire $784
New Jersey $1,220
New Mexico $968
New York $1,150
North Carolina $628
North Dakota $894
Ohio $752
Oklahoma $1,122
Oregon $1,000
Pennsylvania $1,044
Rhode Island $1,454
South Carolina $990
South Dakota $922
Tennessee $956
Texas $1,316
Utah $808
Vermont $748
Virginia $652
Washington $846
West Virginia $1,000
Wisconsin $758
Wyoming $972

Free Auto Insurance Comparison

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

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