Ford Flex Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive insurance costs around $210 each year, collision insurance costs $300, and liability coverage costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs $2,458 or more. Teens pay the most at up to $4,474 a year.
Average premium for full coverage: $1,142
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Flex models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Ford Flex range from the low end price of $522 for a discount liability-only rate to a high rate of $2,458 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why all drivers should compare prices for a specific zip code, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below details average Ford Flex insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $681
- Using higher $1,000 deductibles will save about $116 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,142
- Selecting low deductibles for physical damage coverage will cost an additional $220 each year
- Higher-risk drivers with serious driving violations could pay at least $2,458
- An auto insurance policy that insures a teenage driver can be $4,474 or more
Car insurance prices for a Ford Flex also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 137% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age
Where you choose to live has a huge impact on Ford Flex insurance rates. A driver around age 40 might see prices as low as $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,540 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheaper Ford Flex Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having a positive credit history, being claim-free, and consideration of higher deductibles. Compare rates once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a condensed summary of the data that was touched on in this article.
- You may be able to save up to $130 per year just by quoting online in advance
- Consumers who may need increased liability limits will pay approximately $520 every year to increase from 30/60 bodily injury limits to the 250/500 level
- Drivers under the age of 20 are the costliest to insure, possibly costing $373 per month if full coverage is purchased
- Drivers with multiple at-fault accidents may pay on average $1,320 more every year to insure a Ford Flex
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 | $4,474 |
| 20 | $2,608 |
| 30 | $1,172 |
| 40 | $1,142 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,264 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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