2013 Ford Flex Insurance Rates
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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
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.
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
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.
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.
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
|New York City, NY||$2,019|
|Los Angeles, CA||$2,181|
Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$87|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.