Ford Flex Insurance Rates
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Michelle Robbins
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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.
The average insurance prices for a Ford Flex are $1,114 every 12 months for full coverage insurance. Comprehensive insurance costs on average $206 a year, collision costs $272, and liability insurance costs around $478. A liability-only policy costs as low as $526 a year, with high-risk insurance costing $2,392 or more. Teen drivers cost the most to insure at $4,378 a year or more.
Average premium for full coverage: $1,114
Policy rates by type of insurance:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Flex trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Flex insurance rates go from the cheapest price of $526 for basic liability insurance to a high of $2,392 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why it is important to compare prices based on a specific location and their own driving history, 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.
Rate Comparisons
The chart below illustrates estimated Ford Flex insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $671
- Using higher $1,000 deductibles will save around $1,004 each year
- The average price for a good driver age 40 with $500 deductibles is $1,114
- Choosing low $100 deductibles for physical damage coverage costs an extra $206 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,392 or more
- Policy cost to insure a teen driver may cost $4,378 or more
Car insurance rates for a Ford Flex also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Flex.
Choosing high deductibles could cut rates by as much as $320 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than average. View High Risk Driver Rates
Your home state has a huge impact on Ford Flex insurance rates. A driver around age 40 might see rates as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,500 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied.
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 Shop for the Best Cheap Ford Flex Insurance
Finding cheaper rates on Ford Flex insurance requires not taking risks behind the wheel, maintaining a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies, and also from several local insurance agents.
The following is a quick review of the information raised in the charts and tables above.
- It is possible to save as much as $130 per year simply by quoting early and online
- Teens are expensive to insure, possibly costing $365 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- High-risk drivers with a DUI or reckless driving violation pay on average $1,280 more each year for Flex insurance
- Drivers who require higher liability limits will pay about $530 annually to increase from a 30/60 limit to a 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.
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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