Ford Flex Insurance Rates
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UPDATED: May 31, 2024
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How much is a Ford Flex to insure in comparison to other vehicles? Average Ford Flex insurance rates are $1,464 a year, or $122 a month. To learn more about Ford Flex car insurance rates and how to save on Ford Flex costs, read on.
Use our free rate comparison tool above to find out which insurance company has the cheapest rates for a Ford Flex.
U.S. average insurance prices for a Ford Flex are $1,182 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $228 a year, collision insurance costs $322, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs $2,542 or more. 16-year-old drivers pay the highest rates at up to $4,590 a year.
Average premium for full coverage: $1,182
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Flex trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford Flex insurance prices range from the cheapest price of $522 for just liability insurance to a high of $2,542 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates average Ford Flex insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $703
- Choosing higher $1,000 deductibles can save $1,058 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,182
- Buying low $100 deductibles for comp and collision coverage costs an extra $240 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,542
- The price to insure a 16-year-old driver can cost $4,590 each year
Insurance prices for a Ford Flex are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Flex.
Opting for high physical damage deductibles can save as much as $370 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 132% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Flex insurance prices. A good driver about age 40 could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,600 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$112 | -9.5% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,348 | $166 | 14.0% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,216 | $34 | 2.9% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,478 | $296 | 25.0% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $880 | -$302 | -25.5% |
| Indiana | $890 | -$292 | -24.7% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,750 | $568 | 48.1% |
| Maine | $728 | -$454 | -38.4% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,418 | $236 | 20.0% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,320 | $138 | 11.7% |
| New Mexico | $1,048 | -$134 | -11.3% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,130 | -$52 | -4.4% |
| Rhode Island | $1,576 | $394 | 33.3% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,036 | -$146 | -12.4% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $874 | -$308 | -26.1% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $820 | -$362 | -30.6% |
| Wyoming | $1,052 | -$130 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,130 | $94 |
| Ford Flex SEL 2WD | $1,158 | $97 |
| Ford Flex SEL AWD | $1,182 | $99 |
| Ford Flex Limited 2WD | $1,208 | $101 |
| Ford Flex Limited AWD | $1,208 | $101 |
Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Ford Flex | $292 | $512 | $442 | $1,404 |
| 2018 Ford Flex | $282 | $474 | $452 | $1,366 |
| 2017 Ford Flex | $270 | $446 | $456 | $1,330 |
| 2016 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2015 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2014 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2013 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2012 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2011 Ford Flex | $206 | $272 | $478 | $1,114 |
| 2010 Ford Flex | $192 | $248 | $474 | $1,072 |
Rates are averaged for all Ford Flex models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Ford Flex Insurance
Getting lower rates on insurance for a Ford Flex takes being a safe and courteous driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a brief review of the ideas that were raised in the charts and tables above.
- Teenage drivers are expensive to insure, as much as $383 a month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,360 more per year for auto insurance
- Increasing physical damage deductibles could save as much as $375 each year
- It is possible to save around $140 per year just by quoting early and online
Comparing rates is the best way to save on Ford Flex insurance rates, whether you are shopping for 2020 or 2013 Ford Flex costs. Use our free rate comparison tool below to find the best Ford Flex insurance rates in your area.
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What are the safety ratings of the Ford Flex?
Is the Ford Flex a reliable car? If the Ford Flex safety ratings and features are good, insurers will usually offer you cheaper rates. Some of the standard safety features in the Ford Flex include a rearview camera, rear parking sensors, and MyKey (sets speed and audio volume limits).
The Insurance Institute for Highway Safety (IIHS) has rated the Ford Flex in multiple crash tests, which you can see below.
- Small overlap front (driver-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
View the video below for an example of the IIHS’s crash testing on the Ford Flex.
Ford Flex Compared Against Other Vehicles in the Same Class
The Ford Flex is a midsize SUV. According to the IIHS, the Ford Flex has average liability insurance losses in comparison to other midsize SUVs. This means the Ford Flex’s liability rates will be normal for its class.
Take a look at the midsize SUVs below to see how their rates compare to the Ford Flex’s rates.
Ready to start saving on insurance rates for your Ford Flex today? Enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,590 |
| 20 | $2,696 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,060 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,312 |
| $500 | $1,182 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,500 |
| 20 | $4,296 |
| 30 | $2,576 |
| 40 | $2,542 |
| 50 | $2,428 |
| 60 | $2,404 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $82 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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