Ford Flex Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Estimated insurance rates for a Ford Flex are $1,114 a year with full coverage. Comprehensive costs approximately $206, collision costs $272, and liability costs around $478. A liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,392. Teenage drivers pay the most at $4,378 a year or more.
Average premium for full coverage: $1,114
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different Flex trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Flex go from as low as $526 for just the minimum liability insurance to a much higher rate of $2,392 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.
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.
Additional Rate Analysis
The chart below details estimated Ford Flex insurance rates for additional coverage and risk scenarios.
- The best discount rate is $671
- Using higher $1,000 deductibles will save $110 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,114
- Using more expensive low deductibles for physical damage coverage will increase the cost to $1,320
- Drivers who are prone to accidents and violations could pay around $2,392 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $4,378 or more
Auto insurance prices for a Ford Flex also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,300 a year. View Rates by Age
Where you choose to live has a huge impact on Ford Flex insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,500 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,008 | -$106 | -9.5% |
| Alaska | $854 | -$260 | -23.3% |
| Arizona | $924 | -$190 | -17.1% |
| Arkansas | $1,114 | -$0 | 0.0% |
| California | $1,268 | $154 | 13.8% |
| Colorado | $1,064 | -$50 | -4.5% |
| Connecticut | $1,144 | $30 | 2.7% |
| Delaware | $1,260 | $146 | 13.1% |
| Florida | $1,392 | $278 | 25.0% |
| Georgia | $1,026 | -$88 | -7.9% |
| Hawaii | $800 | -$314 | -28.2% |
| Idaho | $754 | -$360 | -32.3% |
| Illinois | $828 | -$286 | -25.7% |
| Indiana | $836 | -$278 | -25.0% |
| Iowa | $750 | -$364 | -32.7% |
| Kansas | $1,058 | -$56 | -5.0% |
| Kentucky | $1,518 | $404 | 36.3% |
| Louisiana | $1,646 | $532 | 47.8% |
| Maine | $686 | -$428 | -38.4% |
| Maryland | $918 | -$196 | -17.6% |
| Massachusetts | $892 | -$222 | -19.9% |
| Michigan | $1,934 | $820 | 73.6% |
| Minnesota | $932 | -$182 | -16.3% |
| Mississippi | $1,334 | $220 | 19.7% |
| Missouri | $988 | -$126 | -11.3% |
| Montana | $1,196 | $82 | 7.4% |
| Nebraska | $878 | -$236 | -21.2% |
| Nevada | $1,334 | $220 | 19.7% |
| New Hampshire | $802 | -$312 | -28.0% |
| New Jersey | $1,246 | $132 | 11.8% |
| New Mexico | $984 | -$130 | -11.7% |
| New York | $1,172 | $58 | 5.2% |
| North Carolina | $640 | -$474 | -42.5% |
| North Dakota | $910 | -$204 | -18.3% |
| Ohio | $770 | -$344 | -30.9% |
| Oklahoma | $1,142 | $28 | 2.5% |
| Oregon | $1,018 | -$96 | -8.6% |
| Pennsylvania | $1,064 | -$50 | -4.5% |
| Rhode Island | $1,484 | $370 | 33.2% |
| South Carolina | $1,008 | -$106 | -9.5% |
| South Dakota | $940 | -$174 | -15.6% |
| Tennessee | $976 | -$138 | -12.4% |
| Texas | $1,344 | $230 | 20.6% |
| Utah | $826 | -$288 | -25.9% |
| Vermont | $762 | -$352 | -31.6% |
| Virginia | $666 | -$448 | -40.2% |
| Washington | $860 | -$254 | -22.8% |
| West Virginia | $1,020 | -$94 | -8.4% |
| Wisconsin | $770 | -$344 | -30.9% |
| Wyoming | $992 | -$122 | -11.0% |
Using high physical damage deductibles could cut prices by as much as $320 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,070 | $89 |
| Ford Flex SEL 2WD | $1,092 | $91 |
| Ford Flex SEL AWD | $1,114 | $93 |
| Ford Flex Limited 2WD | $1,134 | $95 |
| Ford Flex Limited AWD | $1,134 | $95 |
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 | $270 | $446 | $456 | $1,330 |
| 2018 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2017 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2016 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2015 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2014 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2013 Ford Flex | $206 | $272 | $478 | $1,114 |
| 2012 Ford Flex | $192 | $248 | $474 | $1,072 |
| 2011 Ford Flex | $180 | $226 | $474 | $1,038 |
| 2010 Ford Flex | $174 | $202 | $468 | $1,002 |
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 Find the Best Ford Flex Insurance
Finding better rates on car insurance requires having a decent driving record, having good credit, being claim-free, and not having any coverage lapses. Take the time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief recap of the coverage data covered in the above illustrations.
- You may be able to save around $130 per year simply by shopping early and online
- Increasing policy deductibles can save around $325 each year
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $365 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations pay on average $1,280 more per year than a driver with a clean driving record
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 | $4,378 |
| 20 | $2,534 |
| 30 | $1,140 |
| 40 | $1,114 |
| 50 | $1,022 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,114 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,114 |
| 50/100 | $1,230 |
| 100/300 | $1,349 |
| 250/500 | $1,660 |
| 100 CSL | $1,277 |
| 300 CSL | $1,540 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,188 |
| 20 | $4,040 |
| 30 | $2,420 |
| 40 | $2,392 |
| 50 | $2,286 |
| 60 | $2,262 |
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 | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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