Ford Flex Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 31, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 auto insurance rates for a Ford Flex are $1,114 annually with full coverage. Comprehensive costs approximately $206, collision costs $272, and liability coverage is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing around $2,392. Teens pay the most at $4,378 a year or more.
Average premium for full coverage: $1,114
Premium estimates by type of coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Flex models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Ford Flex go from as cheap as $526 for the bare minimum liability coverage to the much higher price of $2,392 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.
The example below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using 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 details estimated Ford Flex insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $671
- Raising to $1,000 deductibles will save $110 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,114
- Selecting pricier low deductibles will cost $1,320
- Unlucky drivers with serious driving violations could pay around $2,392 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost $4,378
Insurance prices for a Ford Flex also have a wide range based on the model of your Flex, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,900 extra annually, depending on your age. Ford Flex insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $320 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit
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 $800 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,500 on average in New York, Michigan, 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, so the prices will be substantially different between companies.
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 Buy Cheaper Ford Flex Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a condensed summary of the ideas that were touched on in the above illustrations.
- Teen drivers are expensive to insure, possibly costing $365 per month including comprehensive and collision insurance
- Drivers with multiple at-fault accidents may pay on average $1,280 more per year to insure their Flex
- Increasing policy deductibles could save up to $325 each year
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
