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Ford Flex SE 2WD Insurance Rates

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U.S. average insurance rates for a Ford Flex SE 2WD are $1,402 a year for full coverage. Comprehensive costs around $340, collision costs $540, and liability coverage costs around $364. Liability-only insurance costs as low as $430 a year, with high-risk driver insurance costing around $3,004. Teenage drivers pay the highest rates at $5,092 a year or more.

Annual premium for full coverage: $1,402

Price estimates for type of coverage:

Comprehensive $340
Collision $540
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Flex Trim Level

Using a middle-aged driver as an example, Ford Flex SE 2WD insurance prices go from as low as $430 for basic liability insurance to the much higher price of $3,004 for a high-risk driver policy.

Liability Only $430
Full Coverage $1,402
High Risk $3,004

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.

The example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

These price ranges show why everyone should compare prices 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.

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Car insurance rates for a Ford Flex SE 2WD are also quite variable based on your driving record, the model year of your Flex, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

The state you live in has a huge impact on Ford Flex SE 2WD insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $590 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Ford Flex SE 2WD insurance for high-risk drivers can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to know your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes may be quite different from one company to the next.

View Chart as Image

Ford Flex SE 2WD insurance cost comparison chart
Column chart showing Ford Flex SE 2WD insurance prices range from $814 to $5,092 for full coverage

Chart shows Ford Flex SE 2WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $814. Drivers who use higher $1,000 deductibles will pay around $1,202. The average rate for a driver age 40 with no violations using $500 deductibles is $1,402. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,788. Drivers with multiple violations and accidents could be charged at least $3,004. The rate for full coverage insurance for a 16-year-old driver can be as high as $5,092.

Ford Flex SE 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$134 -9.6%
Alaska $1,076 -$326 -23.3%
Arizona $1,164 -$238 -17.0%
Arkansas $1,402 -$0 0.0%
California $1,598 $196 14.0%
Colorado $1,342 -$60 -4.3%
Connecticut $1,442 $40 2.9%
Delaware $1,588 $186 13.3%
Florida $1,754 $352 25.1%
Georgia $1,294 -$108 -7.7%
Hawaii $1,008 -$394 -28.1%
Idaho $948 -$454 -32.4%
Illinois $1,044 -$358 -25.5%
Indiana $1,056 -$346 -24.7%
Iowa $946 -$456 -32.5%
Kansas $1,334 -$68 -4.9%
Kentucky $1,912 $510 36.4%
Louisiana $2,076 $674 48.1%
Maine $866 -$536 -38.2%
Maryland $1,156 -$246 -17.5%
Massachusetts $1,122 -$280 -20.0%
Michigan $2,438 $1,036 73.9%
Minnesota $1,174 -$228 -16.3%
Mississippi $1,680 $278 19.8%
Missouri $1,244 -$158 -11.3%
Montana $1,506 $104 7.4%
Nebraska $1,106 -$296 -21.1%
Nevada $1,682 $280 20.0%
New Hampshire $1,012 -$390 -27.8%
New Jersey $1,568 $166 11.8%
New Mexico $1,242 -$160 -11.4%
New York $1,476 $74 5.3%
North Carolina $808 -$594 -42.4%
North Dakota $1,148 -$254 -18.1%
Ohio $966 -$436 -31.1%
Oklahoma $1,442 $40 2.9%
Oregon $1,284 -$118 -8.4%
Pennsylvania $1,336 -$66 -4.7%
Rhode Island $1,870 $468 33.4%
South Carolina $1,270 -$132 -9.4%
South Dakota $1,184 -$218 -15.5%
Tennessee $1,228 -$174 -12.4%
Texas $1,690 $288 20.5%
Utah $1,040 -$362 -25.8%
Vermont $958 -$444 -31.7%
Virginia $840 -$562 -40.1%
Washington $1,082 -$320 -22.8%
West Virginia $1,286 -$116 -8.3%
Wisconsin $972 -$430 -30.7%
Wyoming $1,250 -$152 -10.8%

View Chart as Image

Ford Flex SE 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford Flex SE 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,092
20 $3,196
30 $1,466
40 $1,402
50 $1,276
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex SE 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,788
$250 $1,610
$500 $1,402
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex SE 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,475
100/300 $1,566
250/500 $1,802
100 CSL $1,511
300 CSL $1,711
500 CSL $1,857

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex SE 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,268
20 $5,070
30 $3,078
40 $3,004
50 $2,864
60 $2,834

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $68
Online Quote $100
Total Discounts $588
Rate after discounts $814

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

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