Ford Flex Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
The average insurance prices for a Ford Flex are $1,142 every 12 months for full coverage. Comprehensive costs an estimated $210, collision insurance costs $300, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,458. Teen drivers cost the most to insure at up to $4,474 a year.
Average premium for full coverage: $1,142
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Flex trim levels.
Price Range Variability
For a 40-year-old driver, Ford Flex insurance rates range from the cheapest price of $522 for just liability coverage to a much higher rate of $2,458 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.
The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on price averages.
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.
Detailed Rate Analysis
The chart below shows average Ford Flex insurance rates for other coverage scenarios.
- The lowest rate with discounts is $681
- Using higher $1,000 deductibles will save approximately $116 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,142
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,362
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,458
- Policy cost to insure a 16-year-old driver with full coverage can cost as much as $4,474 or more
Car insurance rates for a Ford Flex also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $340 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be from 42% to 137% more than average. View High Risk Driver Rates
Your home state 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 Iowa, Maine, and Idaho, or as much as $1,630 on average in New York, Louisiana, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Cheap Ford Flex Insurance
Finding cheaper rates on insurance for a Ford Flex requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct carriers, and also from several local insurance agents.
The points below are a brief summary of the concepts that were illustrated above.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,320 more annually to insure a Ford Flex
- Drivers under the age of 20 have the highest car insurance rates, costing up to $373 each month if the policy includes full coverage
- Drivers can save approximately $130 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- Drivers can save approximately $130 per year just by shopping early and online
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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,264 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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