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 $1,142 every 12 months including full coverage. Comprehensive costs on average $210 each year, collision insurance costs $300, and liability coverage is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $2,458. Teens pay the highest rates at up to $4,474 a year.
Average premium for full coverage: $1,142
Price estimates by individual coverage:
Prices include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Flex models.
Price Range from Low to High
For the average driver, Ford Flex insurance prices range from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,458 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location and their own driving history, 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.
Additional Rate Details
The chart below breaks down average Ford Flex insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $681
- Raising to $1,000 deductibles will save around $116 every year
- The average price for the average middle-age driver with $500 deductibles is $1,142
- Selecting low deductibles increases the price to $1,362
- Unlucky drivers with serious driving violations could pay upwards of $2,458
- The price to insure a teenage driver may cost $4,474
Car insurance prices for a Ford Flex are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Flex.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 137% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Ford Flex insurance rates. A middle-age driver might find prices as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,630 on average in Michigan, New York, and Louisiana.
| 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% |
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 Shop for the Right Ford Flex Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and possibly raising deductibles. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick rundown of the primary concepts that were touched on above.
- You may be able to save as much as $130 per year just by quoting online in advance
- Drivers with reckless driving or DUI convictions may pay on average $1,320 more each year for Flex insurance
- Increasing physical damage deductibles could save as much as $325 each year
- Teens are expensive to insure, possibly costing $373 a month if the policy includes full coverage
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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