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.
U.S. average insurance rates for a Ford Flex are $1,114 a year including full coverage. Comprehensive insurance costs approximately $206, collision costs $272, and liability coverage is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing $2,392 or more. 16-year-old drivers pay the highest rates at $4,378 a year or more.
Average premium for full coverage: $1,114
Price estimates by individual coverage:
Price estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Flex models.
Price Range from Low to High
For the normal driver, Ford Flex insurance prices go from as low as $526 for a discount liability-only rate to the much higher price of $2,392 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location and risk profile, rather than using rate 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.
Rates by State, City, and Model
The chart below breaks down estimated Ford Flex insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $671
- Raising to $1,000 deductibles will save $110 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,114
- Buying pricier low deductibles will cost an extra $206 each year
- Unlucky drivers with multiple tickets or accidents could pay around $2,392 or more
- The price for full coverage for a teenage driver for full coverage can cost $4,378
Auto insurance prices for a Ford Flex are also quite variable based on your driving record, the model of your Flex, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $4,300 a year. View Rates by Age
The state you live in also has a big influence on Ford Flex insurance rates. A middle-age driver might find prices as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,590 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $320 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. Ford Flex insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite 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 Cheaper Ford Flex Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a condensed summary of the primary concepts that were presented in the illustrations above.
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
- Drivers with multiple at-fault accidents could be forced to pay on average $1,280 more per year for Flex insurance
- Increasing physical damage deductibles can save around $325 each year
- Teens have the highest car insurance prices, possibly costing $365 a month if they have full coverage
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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