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2013 Ford Flex Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2013 Ford Flex are $1,276 a year including full coverage. Comprehensive insurance costs approximately $258, collision costs $400, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,752 or more. Teenage drivers receive the highest rates at $4,882 a year or more.

Annual premium for full coverage: $1,276

Rate estimates for 2013 Ford Flex Insurance

Comprehensive $258
Collision $400
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 Ford Flex models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $510 for just liability insurance to a much higher rate of $2,752 for a high risk driver.

Liability Only $510
Full Coverage $1,276
High Risk $2,752

View Chart as Image

2013 Ford Flex insurance rates compared
Column chart showing 2013 Ford Flex insurance prices range from $750 to $4,882 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2013 Ford Flex Insurance

Searching Companies

Trying to find the cheapest insurance for a new or used Ford Flex could be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to find insurance coverage online and you need to know the quickest way to price shop coverage on a Ford and locate the lowest price either online or from local insurance agents.

If you are insured now or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Locating affordable coverage is simple if you know the tricks. Drivers just need to know the proper way to get comparison quotes on the web.

Quick Auto Insurance Quotes

Effectively comparing auto insurance prices can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use the web for quick rates.

The majority of car insurance companies belong to a marketplace that enables customers to submit their information once, and at least one company can provide price quotes based on that information. This eliminates the need for quotation requests for every auto insurance company.

To use this form to compare 2013 Ford Flex insurance rates click here to open in new window.

One minor caviat to doing it this way is that you can’t choose which companies you want pricing from. If you prefer to choose specific insurance companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage information with every price quote. If you enter mixed coverages it’s impossible to truly determine the lowest rate.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Is my trailer covered?
  • What if I total my 2013 Ford Flex and owe more than it’s worth?
  • Is my teenager covered with friends in the car?
  • Is rental equipment covered for theft or damage?
  • Why is insurance for a teen driver so high?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, falling objects and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for pain medications, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

This will pay to fix damage to your Flex from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

This can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, pain and suffering, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Rates by U.S. City

2013 Ford Flex Insurance Rates by City
City Premium
New York City, NY $2,019
Los Angeles, CA $2,181
Philadelphia, PA $1,705
Jacksonville, FL $1,854
Phoenix, AZ $1,484
Chicago, IL $1,710
Houston, TX $2,002
Seattle, WA $1,247
Columbus, OH $1,067
Indianapolis, IN $1,087

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Ford Flex Insurance Rates by Driver Age
Driver Age Premium
16 $4,882
20 $2,924
30 $1,320
40 $1,276
50 $1,168
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

2013 Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,564
$250 $1,432
$500 $1,276
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,276
50/100 $1,368
100/300 $1,483
250/500 $1,782
100 CSL $1,414
300 CSL $1,667
500 CSL $1,851

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $6,932
20 $4,658
30 $2,800
40 $2,752
50 $2,630
60 $2,606

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $60
Online Quote $89
Total Discounts $526
Rate after discounts $750

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

Find companies with the cheapest rates in your area

2013 Ford Flex Insurance Rates by State
State Premium
Alabama $1,156
Alaska $980
Arizona $1,060
Arkansas $1,276
California $1,454
Colorado $1,220
Connecticut $1,314
Delaware $1,446
Florida $1,598
Georgia $1,178
Hawaii $918
Idaho $866
Illinois $950
Indiana $962
Iowa $860
Kansas $1,214
Kentucky $1,742
Louisiana $1,890
Maine $790
Maryland $1,054
Massachusetts $1,022
Michigan $2,220
Minnesota $1,070
Mississippi $1,530
Missouri $1,134
Montana $1,372
Nebraska $1,008
Nevada $1,532
New Hampshire $920
New Jersey $1,428
New Mexico $1,132
New York $1,346
North Carolina $734
North Dakota $1,046
Ohio $882
Oklahoma $1,314
Oregon $1,170
Pennsylvania $1,218
Rhode Island $1,704
South Carolina $1,156
South Dakota $1,078
Tennessee $1,118
Texas $1,540
Utah $946
Vermont $874
Virginia $766
Washington $990
West Virginia $1,172
Wisconsin $884
Wyoming $1,138

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