Ford Flex Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Apr 30, 2020
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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 $1,454 a year for full coverage insurance. Comprehensive insurance costs around $332, collision insurance costs $566, and liability coverage is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs $3,136 or more. Teens pay the highest rates at up to $5,348 a year.
Average premium for full coverage: $1,454
Price estimates for individual coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Flex trim levels.
Price Range from Low to High
For the normal driver, Ford Flex insurance prices range from as low as $460 for your basic liability-only policy to a much higher rate of $3,136 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, 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.
More Rate Information
The chart below illustrates average Ford Flex insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $836
- Raising to $1,000 deductibles will save about $204 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,454
- Selecting more expensive low deductibles will cost an extra $394 each year
- Unlucky drivers with serious driving violations could pay at least $3,136
- The price for full coverage for a teenage driver with full coverage can be $5,348
Car insurance prices for a Ford Flex are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $5,300 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 $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,388 | -$66 | -4.5% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,646 | $192 | 13.2% |
| Florida | $1,820 | $366 | 25.2% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,044 | -$410 | -28.2% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,086 | -$368 | -25.3% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $982 | -$472 | -32.5% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,984 | $530 | 36.5% |
| Louisiana | $2,154 | $700 | 48.1% |
| Maine | $898 | -$556 | -38.2% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,148 | -$306 | -21.0% |
| Nevada | $1,746 | $292 | 20.1% |
| New Hampshire | $1,050 | -$404 | -27.8% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,534 | $80 | 5.5% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,192 | -$262 | -18.0% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,496 | $42 | 2.9% |
| Oregon | $1,332 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,274 | -$180 | -12.4% |
| Texas | $1,754 | $300 | 20.6% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $870 | -$584 | -40.2% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,296 | -$158 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,368 | $114 |
| Ford Flex SEL 2WD | $1,412 | $118 |
| Ford Flex SEL AWD | $1,454 | $121 |
| Ford Flex Limited 2WD | $1,496 | $125 |
| Ford Flex Limited AWD | $1,496 | $125 |
Rates assume 2019 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 | $332 | $566 | $398 | $1,454 |
| 2018 Ford Flex | $320 | $552 | $416 | $1,446 |
| 2017 Ford Flex | $310 | $530 | $430 | $1,428 |
| 2016 Ford Flex | $292 | $512 | $442 | $1,404 |
| 2015 Ford Flex | $282 | $474 | $452 | $1,366 |
| 2014 Ford Flex | $270 | $446 | $456 | $1,330 |
| 2013 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2012 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2011 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2010 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2009 Ford Flex | $210 | $300 | $474 | $1,142 |
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 Cheap Ford Flex Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a brief summary of the concepts that were presented in the illustrations above.
- Drivers that tend to have accidents or serious violations may pay on average $1,680 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, as much as $446 a month if full coverage is included
- It is possible to save up to $180 per year just by shopping early and online
- Increasing physical damage deductibles can save around $600 each year
- It is possible to save up to $180 per year just by shopping 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 | $5,348 |
| 20 | $3,342 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,328 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,666 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,576 |
| 100/300 | $1,675 |
| 250/500 | $1,934 |
| 100 CSL | $1,615 |
| 300 CSL | $1,834 |
| 500 CSL | $1,994 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,638 |
| 20 | $5,310 |
| 30 | $3,212 |
| 40 | $3,136 |
| 50 | $2,992 |
| 60 | $2,966 |
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 | $78 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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