Ford Flex Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

U.S. average insurance rates for a Ford Flex are $1,404 a year including full coverage. Comprehensive costs on average $292, collision insurance costs $512, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $3,040. Teens pay the highest rates at up to $5,280 a year.

Average premium for full coverage: $1,404

Price estimates by individual coverage:

Comprehensive $292
Collision $512
Liability $442

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Flex trim levels.

Price Range from Low to High

For a 40-year-old driver, Ford Flex insurance prices range from as low as $496 for the bare minimum liability coverage to a much higher rate of $3,040 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,404
High Risk $3,040

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

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 Information

The chart below breaks down average Ford Flex insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $809
  • Drivers who choose higher $1,000 deductibles will pay around $184 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,404
  • Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,756
  • Drivers with serious driving violations could pay upwards of $3,040
  • The price for full coverage for a 16-year-old driver with full coverage may cost $5,280 a year

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing Ford Flex insurance rates range from $809 to $5,280 for full coverage

Insurance prices for a Ford Flex are also quite variable based on your driving record, the model of your Flex, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Ford Flex insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,000 on average in Michigan, New York, and Louisiana.

Ford Flex Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,270 -$134 -9.5%
Alaska $1,078 -$326 -23.2%
Arizona $1,166 -$238 -17.0%
Arkansas $1,404 -$0 0.0%
California $1,600 $196 14.0%
Colorado $1,342 -$62 -4.4%
Connecticut $1,444 $40 2.8%
Delaware $1,588 $184 13.1%
Florida $1,756 $352 25.1%
Georgia $1,296 -$108 -7.7%
Hawaii $1,008 -$396 -28.2%
Idaho $950 -$454 -32.3%
Illinois $1,046 -$358 -25.5%
Indiana $1,058 -$346 -24.6%
Iowa $948 -$456 -32.5%
Kansas $1,336 -$68 -4.8%
Kentucky $1,916 $512 36.5%
Louisiana $2,078 $674 48.0%
Maine $866 -$538 -38.3%
Maryland $1,160 -$244 -17.4%
Massachusetts $1,124 -$280 -19.9%
Michigan $2,440 $1,036 73.8%
Minnesota $1,174 -$230 -16.4%
Mississippi $1,682 $278 19.8%
Missouri $1,246 -$158 -11.3%
Montana $1,510 $106 7.5%
Nebraska $1,106 -$298 -21.2%
Nevada $1,682 $278 19.8%
New Hampshire $1,010 -$394 -28.1%
New Jersey $1,570 $166 11.8%
New Mexico $1,242 -$162 -11.5%
New York $1,480 $76 5.4%
North Carolina $808 -$596 -42.5%
North Dakota $1,150 -$254 -18.1%
Ohio $970 -$434 -30.9%
Oklahoma $1,442 $38 2.7%
Oregon $1,286 -$118 -8.4%
Pennsylvania $1,340 -$64 -4.6%
Rhode Island $1,874 $470 33.5%
South Carolina $1,270 -$134 -9.5%
South Dakota $1,186 -$218 -15.5%
Tennessee $1,232 -$172 -12.3%
Texas $1,692 $288 20.5%
Utah $1,040 -$364 -25.9%
Vermont $962 -$442 -31.5%
Virginia $842 -$562 -40.0%
Washington $1,086 -$318 -22.6%
West Virginia $1,286 -$118 -8.4%
Wisconsin $972 -$432 -30.8%
Wyoming $1,252 -$152 -10.8%

View Chart as Image

Ford Flex insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

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 $1,328 $111
Ford Flex SEL 2WD $1,366 $114
Ford Flex SEL AWD $1,404 $117
Ford Flex Limited 2WD $1,442 $120
Ford Flex Limited AWD $1,442 $120

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 $292 $512 $442 $1,404
2012 Ford Flex $228 $322 $474 $1,182
2011 Ford Flex $210 $300 $474 $1,142

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 More Affordable Ford Flex Insurance

Getting lower rates on insurance for a Ford Flex not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and determing if full coverage is necessary. Invest the time to shop around at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a summary of the car insurance concepts illustrated above.

  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,640 more each year to insure their Flex
  • You may be able to save as much as $170 per year just by shopping early and online
  • Increasing physical damage deductibles can save around $525 each year
  • Insureds who require more liability coverage will pay approximately $490 per year to go from a low limit to 250/500 limits

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.



Rates by Driver Age

Ford Flex Insurance Rates by Driver Age
Driver Age Premium
16 $5,280
20 $3,234
30 $1,462
40 $1,404
50 $1,282
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,594
$500 $1,404
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,404
50/100 $1,530
100/300 $1,641
250/500 $1,928
100 CSL $1,575
300 CSL $1,818
500 CSL $1,995

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $7,526
20 $5,156
30 $3,102
40 $3,040
50 $2,902
60 $2,876

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $102
5-yr Claim Free $91
Paid in Full/EFT $63
Advance Quote $69
Online Quote $100
Total Discounts $595
Rate after discounts $809

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

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