Ford Flex Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Average auto insurance rates for a Ford Flex are $1,142 annually for full coverage insurance. Comprehensive insurance costs around $210 a year, collision insurance costs $300, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,458 or more. Teens receive the highest rates at up to $4,474 a year.

Average premium for full coverage: $1,142

Rate estimates for individual coverage type:

Comprehensive $210
Collision $300
Liability $474

These estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Flex trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $522 for basic liability insurance to a high of $2,458 for a high-risk insurance policy.

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

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

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

These examples illustrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on 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.

Rate Comparisons

The chart below illustrates 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 $1,026 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,142
  • Selecting low $100 deductibles for physical damage coverage costs an additional $220 annually
  • High-risk insureds with serious driving violations could pay at least $2,458
  • The cost with full coverage for a 16-year-old driver can be $4,474 or more

View Chart as Image

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

Auto insurance rates for a Ford Flex can also vary considerably based on the trim level of your Flex, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 42% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $340 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Flex insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,540 on average in Michigan, New York, and Florida.

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

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 Buy Cheap Ford Flex Insurance

Saving money on insurance for a Ford Flex requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief summary of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,320 more every year for Flex insurance
  • It is possible to save up to $130 per year just by quoting early and online
  • Increasing deductibles could save up to $325 each year
  • Insureds who may need higher liability limits will pay approximately $520 annually to increase from a minimum limit to higher 250/500 limits

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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