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 $1,142 every 12 months for full coverage. Comprehensive costs an estimated $210, collision insurance costs $300, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,458. Teen drivers cost the most to insure at up to $4,474 a year.
Average premium for full coverage: $1,142
Policy rates broken down by type of insurance:
Estimates include $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Flex trim levels.
Price Range Variability
For the normal driver, Ford Flex insurance rates range from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,458 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how geographic area affects insurance prices.
The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using 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.
Additional Rate Information
The chart below shows average Ford Flex insurance rates for other coverage scenarios.
- The lowest rate with discounts is $681
- Choosing higher $1,000 deductibles can save approximately $116 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,142
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,362
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,458
- Policy cost to insure a teen driver with full coverage can cost as much as $4,474 each year
Car insurance rates for a Ford Flex also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $340 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 137% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Ford Flex insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,630 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$110 | -9.6% |
| Alaska | $876 | -$266 | -23.3% |
| Arizona | $946 | -$196 | -17.2% |
| Arkansas | $1,142 | -$0 | 0.0% |
| California | $1,302 | $160 | 14.0% |
| Colorado | $1,092 | -$50 | -4.4% |
| Connecticut | $1,174 | $32 | 2.8% |
| Delaware | $1,292 | $150 | 13.1% |
| Florida | $1,430 | $288 | 25.2% |
| Georgia | $1,052 | -$90 | -7.9% |
| Hawaii | $820 | -$322 | -28.2% |
| Idaho | $770 | -$372 | -32.6% |
| Illinois | $852 | -$290 | -25.4% |
| Indiana | $858 | -$284 | -24.9% |
| Iowa | $770 | -$372 | -32.6% |
| Kansas | $1,086 | -$56 | -4.9% |
| Kentucky | $1,558 | $416 | 36.4% |
| Louisiana | $1,690 | $548 | 48.0% |
| Maine | $704 | -$438 | -38.4% |
| Maryland | $940 | -$202 | -17.7% |
| Massachusetts | $914 | -$228 | -20.0% |
| Michigan | $1,984 | $842 | 73.7% |
| Minnesota | $954 | -$188 | -16.5% |
| Mississippi | $1,366 | $224 | 19.6% |
| Missouri | $1,014 | -$128 | -11.2% |
| Montana | $1,226 | $84 | 7.4% |
| Nebraska | $900 | -$242 | -21.2% |
| Nevada | $1,368 | $226 | 19.8% |
| New Hampshire | $822 | -$320 | -28.0% |
| New Jersey | $1,276 | $134 | 11.7% |
| New Mexico | $1,012 | -$130 | -11.4% |
| New York | $1,204 | $62 | 5.4% |
| North Carolina | $658 | -$484 | -42.4% |
| North Dakota | $934 | -$208 | -18.2% |
| Ohio | $788 | -$354 | -31.0% |
| Oklahoma | $1,174 | $32 | 2.8% |
| Oregon | $1,046 | -$96 | -8.4% |
| Pennsylvania | $1,092 | -$50 | -4.4% |
| Rhode Island | $1,524 | $382 | 33.5% |
| South Carolina | $1,034 | -$108 | -9.5% |
| South Dakota | $964 | -$178 | -15.6% |
| Tennessee | $1,000 | -$142 | -12.4% |
| Texas | $1,376 | $234 | 20.5% |
| Utah | $846 | -$296 | -25.9% |
| Vermont | $782 | -$360 | -31.5% |
| Virginia | $684 | -$458 | -40.1% |
| Washington | $884 | -$258 | -22.6% |
| West Virginia | $1,046 | -$96 | -8.4% |
| Wisconsin | $792 | -$350 | -30.6% |
| Wyoming | $1,018 | -$124 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,094 | $91 |
| Ford Flex SEL 2WD | $1,118 | $93 |
| Ford Flex SEL AWD | $1,142 | $95 |
| Ford Flex Limited 2WD | $1,166 | $97 |
| Ford Flex Limited AWD | $1,166 | $97 |
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 | $282 | $474 | $452 | $1,366 |
| 2018 Ford Flex | $270 | $446 | $456 | $1,330 |
| 2017 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2016 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2015 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2014 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2013 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2012 Ford Flex | $206 | $272 | $478 | $1,114 |
| 2011 Ford Flex | $192 | $248 | $474 | $1,072 |
| 2010 Ford Flex | $180 | $226 | $474 | $1,038 |
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 Low Cost Ford Flex Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates once a year by getting rate quotes from direct carriers, and also from several local insurance agents.
The following is a review of the data that was presented in the illustrations above.
- Drivers can save approximately $130 per year just by shopping early and online
- Policyholders who want higher liability limits will pay about $520 each year to raise limits from a 30/60 limit to a 250/500 level
- Teens have the highest car insurance rates, costing up to $373 each month if the policy includes full coverage
- Higher risk drivers who have several accidents or serious violations pay on average $1,320 more annually for Flex insurance
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 | $4,474 |
| 20 | $2,608 |
| 30 | $1,172 |
| 40 | $1,142 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,264 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,142 |
| 50/100 | $1,261 |
| 100/300 | $1,379 |
| 250/500 | $1,687 |
| 100 CSL | $1,308 |
| 300 CSL | $1,569 |
| 500 CSL | $1,759 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,332 |
| 20 | $4,160 |
| 30 | $2,490 |
| 40 | $2,458 |
| 50 | $2,350 |
| 60 | $2,326 |
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 | $59 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $45 |
| Advance Quote | $52 |
| Online Quote | $79 |
| Total Discounts | $461 |
Discounts are estimated and may not be available from every company or in every state.
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