Ford Flex Insurance Rates
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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 prices for a Ford Flex are $1,182 every 12 months for full coverage. Comprehensive costs around $228 a year, collision costs $322, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,542. Teenage drivers pay the most at $4,590 a year or more.
Average premium for full coverage: $1,182
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Flex trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Ford Flex go from the cheapest price of $522 for just liability coverage to a high of $2,542 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why it is important to compare rates quotes for a specific zip code and their own driving history, rather than 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.
Detailed Rate Analysis
The chart below shows estimated Ford Flex insurance rates for additional coverage choices and driver risks.
- The best discount rate is $703
- Raising to $1,000 deductibles will save about $1,058 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,182
- Using low $100 deductibles increases the price to $1,422
- Unlucky drivers who are prone to accidents and violations could pay at least $2,542 or more
- An auto insurance policy to insure a teenage driver can be $4,590
Insurance prices for a Ford Flex also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $370 a year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Ford Flex insurance rates. A middle-age driver might find prices as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,690 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$112 | -9.5% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,348 | $166 | 14.0% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,216 | $34 | 2.9% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,478 | $296 | 25.0% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $880 | -$302 | -25.5% |
| Indiana | $890 | -$292 | -24.7% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,750 | $568 | 48.1% |
| Maine | $728 | -$454 | -38.4% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,418 | $236 | 20.0% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,320 | $138 | 11.7% |
| New Mexico | $1,048 | -$134 | -11.3% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,130 | -$52 | -4.4% |
| Rhode Island | $1,576 | $394 | 33.3% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,036 | -$146 | -12.4% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $874 | -$308 | -26.1% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $820 | -$362 | -30.6% |
| Wyoming | $1,052 | -$130 | -11.0% |
With such a large range in prices, the only way to know your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,130 | $94 |
| Ford Flex SEL 2WD | $1,158 | $97 |
| Ford Flex SEL AWD | $1,182 | $99 |
| Ford Flex Limited 2WD | $1,208 | $101 |
| Ford Flex Limited AWD | $1,208 | $101 |
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 | $292 | $512 | $442 | $1,404 |
| 2018 Ford Flex | $282 | $474 | $452 | $1,366 |
| 2017 Ford Flex | $270 | $446 | $456 | $1,330 |
| 2016 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2015 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2014 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2013 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2012 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2011 Ford Flex | $206 | $272 | $478 | $1,114 |
| 2010 Ford Flex | $192 | $248 | $474 | $1,072 |
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 Cheaper Ford Flex Insurance
Finding better rates on auto insurance consists of being a good driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The following list is a condensed summary of the concepts that were raised in the charts and tables above.
- Drivers with multiple at-fault accidents may pay on average $1,360 more every year than a safer driver
- Drivers age 16 to 20 pay higher prices, as much as $383 per month if they have full coverage
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $375 each year
- Drivers can save up to $140 per year simply by quoting 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 | $4,590 |
| 20 | $2,696 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,060 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,312 |
| $500 | $1,182 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,500 |
| 20 | $4,296 |
| 30 | $2,576 |
| 40 | $2,542 |
| 50 | $2,428 |
| 60 | $2,404 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $82 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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