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.

Estimated insurance rates for a Ford Flex are $1,142 a year including full coverage. Comprehensive costs approximately $210, collision costs $300, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,458. Teen drivers pay the most at $4,474 a year or more.

Average premium for full coverage: $1,142

Premium estimates by type of coverage:

Comprehensive $210
Collision $300
Liability $474

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Flex trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Ford Flex go from as low as $522 for just the minimum liability insurance to a much higher rate of $2,458 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,142
High Risk $2,458

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

These rate differences highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on price 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.

Additional Rate Analysis

The chart below breaks down estimated Ford Flex insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $681
  • Choosing higher $1,000 deductibles can save $116 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,142
  • Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,362
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,458 or more
  • An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $4,474 each year

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing full coverage Ford Flex insurance rates range from $681 to $4,474

Insurance prices for a Ford Flex also have a wide range based on your driving characteristics, the model of your Flex, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Flex insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,630 on average in Louisiana, New York, and Michigan.

Ford Flex Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$110 -9.6%
Alaska $876 -$266 -23.3%
Arizona $946 -$196 -17.2%
Arkansas $1,142 -$0 0.0%
California $1,302 $160 14.0%
Colorado $1,092 -$50 -4.4%
Connecticut $1,174 $32 2.8%
Delaware $1,292 $150 13.1%
Florida $1,430 $288 25.2%
Georgia $1,052 -$90 -7.9%
Hawaii $820 -$322 -28.2%
Idaho $770 -$372 -32.6%
Illinois $852 -$290 -25.4%
Indiana $858 -$284 -24.9%
Iowa $770 -$372 -32.6%
Kansas $1,086 -$56 -4.9%
Kentucky $1,558 $416 36.4%
Louisiana $1,690 $548 48.0%
Maine $704 -$438 -38.4%
Maryland $940 -$202 -17.7%
Massachusetts $914 -$228 -20.0%
Michigan $1,984 $842 73.7%
Minnesota $954 -$188 -16.5%
Mississippi $1,366 $224 19.6%
Missouri $1,014 -$128 -11.2%
Montana $1,226 $84 7.4%
Nebraska $900 -$242 -21.2%
Nevada $1,368 $226 19.8%
New Hampshire $822 -$320 -28.0%
New Jersey $1,276 $134 11.7%
New Mexico $1,012 -$130 -11.4%
New York $1,204 $62 5.4%
North Carolina $658 -$484 -42.4%
North Dakota $934 -$208 -18.2%
Ohio $788 -$354 -31.0%
Oklahoma $1,174 $32 2.8%
Oregon $1,046 -$96 -8.4%
Pennsylvania $1,092 -$50 -4.4%
Rhode Island $1,524 $382 33.5%
South Carolina $1,034 -$108 -9.5%
South Dakota $964 -$178 -15.6%
Tennessee $1,000 -$142 -12.4%
Texas $1,376 $234 20.5%
Utah $846 -$296 -25.9%
Vermont $782 -$360 -31.5%
Virginia $684 -$458 -40.1%
Washington $884 -$258 -22.6%
West Virginia $1,046 -$96 -8.4%
Wisconsin $792 -$350 -30.6%
Wyoming $1,018 -$124 -10.9%

View Chart as Image

Ford Flex insurance rates by U.S. city

Choosing high deductibles can save as much as $340 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance ranges from 42% to 137% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Flex Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Flex SE 2WD $1,094 $91
Ford Flex SEL 2WD $1,118 $93
Ford Flex SEL AWD $1,142 $95
Ford Flex Limited 2WD $1,166 $97
Ford Flex Limited AWD $1,166 $97

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.

Ford Flex Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Ford Flex $282 $474 $452 $1,366
2018 Ford Flex $270 $446 $456 $1,330
2017 Ford Flex $258 $400 $460 $1,276
2016 Ford Flex $242 $368 $460 $1,228
2015 Ford Flex $234 $346 $464 $1,202
2014 Ford Flex $228 $322 $474 $1,182
2013 Ford Flex $210 $300 $474 $1,142
2012 Ford Flex $206 $272 $478 $1,114
2011 Ford Flex $192 $248 $474 $1,072
2010 Ford Flex $180 $226 $474 $1,038

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 Find Affordable Ford Flex Insurance

Finding better rates on insurance for a Ford Flex takes being safe and accident-free, having a good credit history, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief review of the concepts that were illustrated above.

  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,320 more per year than a low-risk driver
  • Youthful drivers are the costliest to insure, with the cost nearing $373 per month including comprehensive and collision insurance
  • You may be able to save around $130 per year simply by shopping early and online
  • Increasing policy deductibles can save around $325 each year
  • You may be able to save around $130 per year simply by shopping 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

  1. https://www.iihs.org/ratings/vehicle/ford/flex-4-door-suv/2019

Rates by Driver Age

Ford Flex Insurance Rates by Driver Age
Driver Age Premium
16 $4,474
20 $2,608
30 $1,172
40 $1,142
50 $1,044
60 $1,024

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,362
$250 $1,264
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,142
50/100 $1,261
100/300 $1,379
250/500 $1,687
100 CSL $1,308
300 CSL $1,569
500 CSL $1,759

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $6,332
20 $4,160
30 $2,490
40 $2,458
50 $2,350
60 $2,326

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $461
Rate after discounts $681

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

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