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Ford Flex Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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:

Comprehensive $332
Collision $566
Liability $398

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.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

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.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

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

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing Ford Flex insurance prices range from $836 to $5,348 for full coverage

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.

Ford Flex Insurance Rates by State
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%

View Chart as Image

Ford Flex insurance rates by U.S. city

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

Ford Flex Insurance Rates by Model and Trim Level
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.

Ford Flex Insurance Rates by Model Year
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.


  1. https://www.iihs.org/ratings/vehicle/ford/flex-4-door-suv/2019

Rates by Driver Age

Ford Flex Insurance 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

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
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

Ford Flex Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $836

Discounts are estimated and may not be available from every company or in every state.

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