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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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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.

Average insurance rates for a Ford Flex are $1,428 a year for full coverage. Comprehensive costs on average $310 a year, collision costs $530, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,082. Teen drivers receive the highest rates at $5,316 a year or more.

Average premium for full coverage: $1,428

Rate estimates by individual coverage type:

Comprehensive $310
Collision $530
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Flex trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $3,082 for a high risk driver.

Liability Only $486
Full Coverage $1,428
High Risk $3,082

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,071
Small Cities $1,499
Large Cities $1,928

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Ford Flex insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $823
  • Drivers who choose higher $1,000 deductibles will pay around $1,238 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,428
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,796
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,082 or more
  • The cost for full coverage for a teen driver may cost $5,316 a year

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing full coverage Ford Flex insurance rates range from $823 to $5,316

for a Ford Flex can also vary considerably based on your driver profile, the trim level of your Flex, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,300 a year. View Rates by Age

Where you live makes a big difference in Ford Flex insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or as much as $2,040 on average in Michigan, Louisiana, and New York.

Ford Flex Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,290 -$138 -9.7%
Alaska $1,096 -$332 -23.2%
Arizona $1,184 -$244 -17.1%
Arkansas $1,428 -$0 0.0%
California $1,626 $198 13.9%
Colorado $1,364 -$64 -4.5%
Connecticut $1,468 $40 2.8%
Delaware $1,616 $188 13.2%
Florida $1,784 $356 24.9%
Georgia $1,318 -$110 -7.7%
Hawaii $1,024 -$404 -28.3%
Idaho $964 -$464 -32.5%
Illinois $1,062 -$366 -25.6%
Indiana $1,076 -$352 -24.6%
Iowa $962 -$466 -32.6%
Kansas $1,356 -$72 -5.0%
Kentucky $1,946 $518 36.3%
Louisiana $2,112 $684 47.9%
Maine $878 -$550 -38.5%
Maryland $1,176 -$252 -17.6%
Massachusetts $1,144 -$284 -19.9%
Michigan $2,480 $1,052 73.7%
Minnesota $1,194 -$234 -16.4%
Mississippi $1,708 $280 19.6%
Missouri $1,266 -$162 -11.3%
Montana $1,534 $106 7.4%
Nebraska $1,126 -$302 -21.1%
Nevada $1,708 $280 19.6%
New Hampshire $1,028 -$400 -28.0%
New Jersey $1,596 $168 11.8%
New Mexico $1,264 -$164 -11.5%
New York $1,504 $76 5.3%
North Carolina $822 -$606 -42.4%
North Dakota $1,170 -$258 -18.1%
Ohio $986 -$442 -31.0%
Oklahoma $1,466 $38 2.7%
Oregon $1,308 -$120 -8.4%
Pennsylvania $1,360 -$68 -4.8%
Rhode Island $1,902 $474 33.2%
South Carolina $1,292 -$136 -9.5%
South Dakota $1,202 -$226 -15.8%
Tennessee $1,250 -$178 -12.5%
Texas $1,720 $292 20.4%
Utah $1,056 -$372 -26.1%
Vermont $978 -$450 -31.5%
Virginia $856 -$572 -40.1%
Washington $1,102 -$326 -22.8%
West Virginia $1,308 -$120 -8.4%
Wisconsin $988 -$440 -30.8%
Wyoming $1,272 -$156 -10.9%

View Chart as Image

Ford Flex insurance rates by U.S. city

Choosing high deductibles could save up to $560 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Flex Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Flex SE 2WD $1,348 $112
Ford Flex SEL 2WD $1,388 $116
Ford Flex SEL AWD $1,428 $119
Ford Flex Limited 2WD $1,466 $122
Ford Flex Limited AWD $1,466 $122

Rates assume 2018 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.

Ford Flex Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Ford Flex $310 $530 $430 $1,428
2012 Ford Flex $234 $346 $464 $1,202
2011 Ford Flex $228 $322 $474 $1,182

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 Cheaper Ford Flex Insurance

Saving money on Ford Flex insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $550 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $443 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,650 more each year for insurance

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

  1. https://www.iihs.org/ratings/vehicle/ford/flex-4-door-suv/2019

Rates by Driver Age

Ford Flex Insurance Rates by Driver Age
Driver Age Premium
16 $5,316
20 $3,280
30 $1,486
40 $1,428
50 $1,304
60 $1,278

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,624
$500 $1,428
$1,000 $1,238

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,428
50/100 $1,552
100/300 $1,660
250/500 $1,939
100 CSL $1,595
300 CSL $1,832
500 CSL $2,004

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $7,584
20 $5,220
30 $3,146
40 $3,082
50 $2,940
60 $2,914

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 $198

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $104
5-yr Claim Free $92
Paid in Full/EFT $65
Advance Quote $70
Online Quote $102
Total Discounts $605
Rate after discounts $823

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

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