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2015 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 2015 Ford Taurus are $1,402 a year with full coverage. Comprehensive costs around $292 each year, collision costs $500, and liability insurance costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing around $3,030. Teen drivers receive the highest rates at $5,274 a year or more.

Annual premium for full coverage: $1,402

Rate estimates for 2015 Ford Taurus Insurance

Comprehensive $292
Collision $500
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 $504 for just liability coverage to a high rate of $3,030 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,402
High Risk $3,030

View Chart as Image

2015 Ford Taurus insurance rates compared
Column chart showing 2015 Ford Taurus insurance prices range from $810 to $5,274 for full coverage

These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on 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 2015 Ford Taurus Insurance

Searching Companies

Trying to find lower car insurance rates for your Ford Taurus? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you’re not alone. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have a current insurance policy or are looking for a new policy, you can follow these tips to cut your premiums and still get good coverage. Finding affordable coverage is quite easy. Vehicle owners just need to understand the most efficient way to get comparison quotes online.

Insurance Coverage Prices

Shopping for lower insurance coverage rates can be exhausting if you don’t know the most efficient way to do it. You could waste time talking about coverages with agents in your area, or you can utilize the web to quickly compare rates.

The majority of car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to each company.

To enter your information into the quoting system, click to open in new window.

One minor caviat to using this type of system is buyers cannot specifically choose the providers to get pricing from. If you wish to select specific insurance companies to compare prices, we have a page of insurance coverage companies in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information for every company. If you enter different deductibles you can’t possibly truly determine the lowest rate.

Verify you’re getting all your discounts

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • No Accidents – Claim-free drivers pay much less when compared with frequent claim filers.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Taurus insurance than their less cautious counterparts.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Own a Home – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums for Taurus insurance.

It’s important to note that most discounts do not apply the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurers with the best insurance coverage discounts, click here.

Free Auto Insurance Comparison

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

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When should I talk to an agent?

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Can I rent a car in Mexico?
  • Why am I required to buy liability insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Is my nanny covered when driving my vehicle?
  • I have a DUI can I still get coverage?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage options for a Ford Taurus

Learning about specific coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by auto insurance companies.

Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane, a broken windshield, hitting a deer and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Taurus.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like doctor visits, rehabilitation expenses, hospital visits, surgery and dental work. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability auto insurance – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

More comparisons equals lower rates

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut collision coverage only to regret that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

We just presented many ways to lower your 2015 Ford Taurus insurance rates. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

More detailed insurance information can be found at these sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Ford Taurus Insurance Rates by City
City Premium
New York City, NY $2,214
Los Angeles, CA $2,391
Philadelphia, PA $1,870
Jacksonville, FL $2,032
Phoenix, AZ $1,627
Chicago, IL $1,879
Houston, TX $2,197
Seattle, WA $1,366
Columbus, OH $1,171
Indianapolis, IN $1,191

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Ford Taurus Insurance Rates by Driver Age
Driver Age Premium
16 $5,274
20 $3,224
30 $1,454
40 $1,402
50 $1,280
60 $1,256

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford Taurus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,586
$500 $1,402
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Ford Taurus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,492
100/300 $1,605
250/500 $1,899
100 CSL $1,538
300 CSL $1,786
500 CSL $1,967

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford Taurus Insurance Rates for High Risk Drivers
Age Premium
16 $7,518
20 $5,134
30 $3,090
40 $3,030
50 $2,894
60 $2,866

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $91
Paid in Full/EFT $62
Advance Quote $68
Online Quote $100
Total Discounts $592
Rate after discounts $810

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

Find companies with the cheapest rates in your area

2015 Ford Taurus Insurance Rates by State
State Premium
Alabama $1,268
Alaska $1,074
Arizona $1,162
Arkansas $1,402
California $1,594
Colorado $1,336
Connecticut $1,440
Delaware $1,584
Florida $1,752
Georgia $1,294
Hawaii $1,006
Idaho $948
Illinois $1,044
Indiana $1,054
Iowa $946
Kansas $1,332
Kentucky $1,910
Louisiana $2,074
Maine $864
Maryland $1,154
Massachusetts $1,120
Michigan $2,432
Minnesota $1,172
Mississippi $1,678
Missouri $1,242
Montana $1,504
Nebraska $1,106
Nevada $1,680
New Hampshire $1,010
New Jersey $1,566
New Mexico $1,240
New York $1,476
North Carolina $808
North Dakota $1,146
Ohio $968
Oklahoma $1,438
Oregon $1,284
Pennsylvania $1,336
Rhode Island $1,870
South Carolina $1,268
South Dakota $1,182
Tennessee $1,226
Texas $1,690
Utah $1,038
Vermont $960
Virginia $838
Washington $1,084
West Virginia $1,284
Wisconsin $970
Wyoming $1,248

Free Auto Insurance Comparison

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