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2018 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: Dec 6, 2019

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Average insurance rates for a 2018 Ford Flex are $1,446 a year for full coverage insurance. Comprehensive insurance costs around $320 each year, collision costs $552, and liability coverage costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing $3,126 or more. Teenage drivers receive the highest rates at $5,362 a year or more.

Annual premium for full coverage: $1,446

Rate estimates for 2018 Ford Flex Insurance

Comprehensive $320
Collision $552
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 the average driver, prices range go from as low as $474 for a discount liability-only rate to a high rate of $3,126 for a driver that may need high-risk insurance.

Liability Only $474
Full Coverage $1,446
High Risk $3,126

View Chart as Image

2018 Ford Flex insurance rates compared
Column chart showing 2018 Ford Flex insurance prices range from $834 to $5,362 for full coverage

These differences illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than 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 2018 Ford Flex Insurance

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Comparing car insurance quotes online can be challenging since most people haven’t used online insurance coverage quotes. Don’t let that bother you because using the internet to shop for insurance coverage is actually quite easy.

You should take the time to compare prices every six months because insurance coverage prices change quite often. If you had the best rate for Flex coverage a couple years back other companies may now be cheaper. Forget all the misinformation about insurance coverage because you’re about to find out the fastest way to eliminate unnecessary coverages and save money.

Get cheaper car insurance with discounts

Companies offering auto insurance don’t always publicize all disounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find credits available to lower your premiums when you buy car insurance online.

  • Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Flex coverage depending on your company.
  • Multi-policy Discount – When you combine your auto and home insurance with one insurance company you could get a discount of nearly 15% which can help you find cheap car insurance.
  • Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Memberships – Participating in a civic or occupational organization may earn a discount on your bill.
  • Homeowners Discount – Just being a homeowner can help you save on car insurance because it demonstrates responsibility.
  • Distant Student Discount – Older children who live away from home to go to college and do not have a car may qualify for this discount.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for Flex coverage compared to rates paid by drivers with frequent claims.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Student Discount for Driver Training – Have your child enroll in driver’s education as it will make them better drivers and lower rates.

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

A few companies who might offer these money-saving discounts include:

Before purchasing a policy, check with all the companies which discounts you qualify for. A few discounts may not be available in your area. To locate insurance companies that offer discounts, click this link.

Which insurance coverage is cheapest?

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the most efficient way to do it. You could spend your day talking to agents in your area, or you could use the web to quickly compare rates.

Many popular insurance companies participate in an industry program where insurance shoppers submit one quote, and each company can provide price quotes. This saves time by eliminating quote requests for each company. To get comparison pricing now click here to start a free quote.

The single downside to pricing coverage this way is you don’t know exactly which carriers to get quotes from. If you wish to select specific insurance companies to compare, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

The method you choose is up to you, but ensure you are comparing identical quote information for each comparison quote. If each company quotes different data you will not be able to make an equal comparison. Just a small difference in insurance coverages may result in large price differences. And when quoting insurance coverage, remember that having more price comparisons helps improve the odds of finding a lower rate. Not every company provides prices over the internet, so it’s important to compare rates from them, too.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

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These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Do I have coverage if my license is suspended?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need to file an SR-22 for a DUI in my state?
  • Will my insurance pay for OEM parts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Flex.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, EMT expenses, surgery, nursing services and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a bird, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – This coverage protects you from damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees, funeral expenses, court costs and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Be a money saver!

You just learned a lot of ways to lower your 2018 Ford Flex insurance car insurance rates. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even discover the most savings is with a lesser-known regional company.

Lower-priced 2018 Ford Flex insurance is available on the web and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get quotes online and usually these small insurance companies work with independent agents.

When shopping online for insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability coverage limits only to regret that it was a big mistake. The aim is to buy enough coverage for the lowest price, but do not skimp to save money.

For more information, take a look at the articles below:

Use our FREE quote tool to compare insurance rates now!

Rates by U.S. City

2018 Ford Flex Insurance Rates by City
City Premium
New York City, NY $2,289
Los Angeles, CA $2,475
Philadelphia, PA $1,932
Jacksonville, FL $2,100
Phoenix, AZ $1,683
Chicago, IL $1,940
Houston, TX $2,270
Seattle, WA $1,411
Columbus, OH $1,212
Indianapolis, IN $1,232

Need a specific model?

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Rates by Driver Age

2018 Ford Flex Insurance Rates by Driver Age
Driver Age Premium
16 $5,362
20 $3,328
30 $1,510
40 $1,446
50 $1,320
60 $1,294

Full coverage, $500 deductibles

Rates by Deductible

2018 Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,654
$500 $1,446
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,529
100/300 $1,633
250/500 $1,904
100 CSL $1,571
300 CSL $1,800
500 CSL $1,966

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $7,652
20 $5,294
30 $3,196
40 $3,126
50 $2,982
60 $2,954

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $106
5-yr Claim Free $93
Paid in Full/EFT $66
Advance Quote $71
Online Quote $103
Total Discounts $612
Rate after discounts $834

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

Find companies with the cheapest rates in your area

2018 Ford Flex Insurance Rates by State
State Premium
Alabama $1,310
Alaska $1,112
Arizona $1,202
Arkansas $1,446
California $1,650
Colorado $1,384
Connecticut $1,490
Delaware $1,638
Florida $1,810
Georgia $1,336
Hawaii $1,038
Idaho $980
Illinois $1,078
Indiana $1,090
Iowa $978
Kansas $1,376
Kentucky $1,976
Louisiana $2,142
Maine $892
Maryland $1,194
Massachusetts $1,158
Michigan $2,514
Minnesota $1,210
Mississippi $1,734
Missouri $1,284
Montana $1,556
Nebraska $1,142
Nevada $1,734
New Hampshire $1,042
New Jersey $1,618
New Mexico $1,282
New York $1,526
North Carolina $834
North Dakota $1,184
Ohio $1,002
Oklahoma $1,484
Oregon $1,326
Pennsylvania $1,380
Rhode Island $1,930
South Carolina $1,310
South Dakota $1,222
Tennessee $1,268
Texas $1,746
Utah $1,072
Vermont $992
Virginia $868
Washington $1,120
West Virginia $1,326
Wisconsin $1,002
Wyoming $1,290

Free Auto Insurance Comparison

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