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.

Estimated insurance rates for a Ford Flex are $1,366 a year with full coverage. Comprehensive insurance costs approximately $282 each year, collision insurance costs $474, and liability coverage is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $2,952 or more. Teenage drivers pay the most at up to $5,160 a year.

Average premium for full coverage: $1,366

Premium estimates by type of coverage:

Comprehensive $282
Collision $474
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Flex models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Ford Flex range from the low end price of $504 for minimum levels of liability insurance to a high rate of $2,952 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,366
High Risk $2,952

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

These rate differences demonstrate why all drivers should get quotes using their specific location, 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.

Additional Rate Details

The chart below details average Ford Flex insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $793
  • Choosing higher $1,000 deductibles can save $172 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,366
  • Using low deductibles for comp and collision coverage will cost an additional $332 each year
  • Drivers who are prone to accidents and violations could pay around $2,952
  • An auto insurance policy that insures a teenage driver can cost $5,160 each year

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing Ford Flex insurance prices range from $793 to $5,160 for full coverage

Auto insurance prices for a Ford Flex also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Flex insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,840 on average in New York, Michigan, and Florida.

Ford Flex Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$132 -9.7%
Alaska $1,048 -$318 -23.3%
Arizona $1,134 -$232 -17.0%
Arkansas $1,366 -$0 0.0%
California $1,554 $188 13.8%
Colorado $1,302 -$64 -4.7%
Connecticut $1,404 $38 2.8%
Delaware $1,544 $178 13.0%
Florida $1,708 $342 25.0%
Georgia $1,260 -$106 -7.8%
Hawaii $980 -$386 -28.3%
Idaho $924 -$442 -32.4%
Illinois $1,018 -$348 -25.5%
Indiana $1,028 -$338 -24.7%
Iowa $920 -$446 -32.7%
Kansas $1,296 -$70 -5.1%
Kentucky $1,862 $496 36.3%
Louisiana $2,020 $654 47.9%
Maine $842 -$524 -38.4%
Maryland $1,126 -$240 -17.6%
Massachusetts $1,092 -$274 -20.1%
Michigan $2,372 $1,006 73.6%
Minnesota $1,144 -$222 -16.3%
Mississippi $1,634 $268 19.6%
Missouri $1,212 -$154 -11.3%
Montana $1,466 $100 7.3%
Nebraska $1,078 -$288 -21.1%
Nevada $1,638 $272 19.9%
New Hampshire $984 -$382 -28.0%
New Jersey $1,526 $160 11.7%
New Mexico $1,210 -$156 -11.4%
New York $1,438 $72 5.3%
North Carolina $786 -$580 -42.5%
North Dakota $1,118 -$248 -18.2%
Ohio $944 -$422 -30.9%
Oklahoma $1,400 $34 2.5%
Oregon $1,250 -$116 -8.5%
Pennsylvania $1,302 -$64 -4.7%
Rhode Island $1,820 $454 33.2%
South Carolina $1,236 -$130 -9.5%
South Dakota $1,152 -$214 -15.7%
Tennessee $1,196 -$170 -12.4%
Texas $1,646 $280 20.5%
Utah $1,010 -$356 -26.1%
Vermont $934 -$432 -31.6%
Virginia $816 -$550 -40.3%
Washington $1,056 -$310 -22.7%
West Virginia $1,250 -$116 -8.5%
Wisconsin $944 -$422 -30.9%
Wyoming $1,216 -$150 -11.0%

View Chart as Image

Ford Flex insurance rates by U.S. city

Using high physical damage deductibles can save as much as $510 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

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 $1,294 $108
Ford Flex SEL 2WD $1,330 $111
Ford Flex SEL AWD $1,366 $114
Ford Flex Limited 2WD $1,402 $117
Ford Flex Limited AWD $1,402 $117

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 $282 $474 $452 $1,366
2012 Ford Flex $210 $300 $474 $1,142
2011 Ford Flex $206 $272 $478 $1,114

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

Finding better rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every time your policy renews by requesting quotes from direct companies, and also from local insurance agencies.

The list below is a summary of the information covered above.

  • You may be able to save around $160 per year just by quoting online in advance
  • Teenagers have the highest car insurance prices, possibly costing $430 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $500 each year
  • Drivers who have multiple accidents or major violations may have to pay on average $1,590 more per year for car insurance
  • Consumers who purchase higher liability limits will pay an extra $500 every year to raise limits from 30/60 bodily injury limits to the 250/500 level

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 $5,160
20 $3,140
30 $1,416
40 $1,366
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,544
$500 $1,366
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,366
50/100 $1,492
100/300 $1,605
250/500 $1,899
100 CSL $1,538
300 CSL $1,786
500 CSL $1,967

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $7,350
20 $5,000
30 $3,008
40 $2,952
50 $2,818
60 $2,792

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $97
Total Discounts $573
Rate after discounts $793

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

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