Ford Flex Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
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 $1,366 annually for full coverage. Comprehensive costs an estimated $282, collision costs $474, and liability coverage is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,952. Teen drivers pay the most at $5,160 a year or more.
Average premium for full coverage: $1,366
Premium estimates broken down by type of coverage:
These estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Flex trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Flex go from as cheap as $504 for just the minimum liability insurance to a much higher rate of $2,952 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than larger metro areas.
The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than 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 Analysis
The chart below shows estimated Ford Flex insurance rates for other coverage scenarios.
- The lowest rate with discounts is $793
- Raising to $1,000 deductibles will save approximately $172 a year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,366
- Choosing more expensive low deductibles will cost $1,698
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,952 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $5,160
Auto insurance prices for a Ford Flex also have a wide range based on the model of your Flex, your driver profile, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $510 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 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 $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,234 | -$132 | -9.7% |
| Alaska | $1,048 | -$318 | -23.3% |
| Arizona | $1,134 | -$232 | -17.0% |
| Arkansas | $1,366 | -$0 | 0.0% |
| California | $1,554 | $188 | 13.8% |
| Colorado | $1,302 | -$64 | -4.7% |
| Connecticut | $1,404 | $38 | 2.8% |
| Delaware | $1,544 | $178 | 13.0% |
| Florida | $1,708 | $342 | 25.0% |
| Georgia | $1,260 | -$106 | -7.8% |
| Hawaii | $980 | -$386 | -28.3% |
| Idaho | $924 | -$442 | -32.4% |
| Illinois | $1,018 | -$348 | -25.5% |
| Indiana | $1,028 | -$338 | -24.7% |
| Iowa | $920 | -$446 | -32.7% |
| Kansas | $1,296 | -$70 | -5.1% |
| Kentucky | $1,862 | $496 | 36.3% |
| Louisiana | $2,020 | $654 | 47.9% |
| Maine | $842 | -$524 | -38.4% |
| Maryland | $1,126 | -$240 | -17.6% |
| Massachusetts | $1,092 | -$274 | -20.1% |
| Michigan | $2,372 | $1,006 | 73.6% |
| Minnesota | $1,144 | -$222 | -16.3% |
| Mississippi | $1,634 | $268 | 19.6% |
| Missouri | $1,212 | -$154 | -11.3% |
| Montana | $1,466 | $100 | 7.3% |
| Nebraska | $1,078 | -$288 | -21.1% |
| Nevada | $1,638 | $272 | 19.9% |
| New Hampshire | $984 | -$382 | -28.0% |
| New Jersey | $1,526 | $160 | 11.7% |
| New Mexico | $1,210 | -$156 | -11.4% |
| New York | $1,438 | $72 | 5.3% |
| North Carolina | $786 | -$580 | -42.5% |
| North Dakota | $1,118 | -$248 | -18.2% |
| Ohio | $944 | -$422 | -30.9% |
| Oklahoma | $1,400 | $34 | 2.5% |
| Oregon | $1,250 | -$116 | -8.5% |
| Pennsylvania | $1,302 | -$64 | -4.7% |
| Rhode Island | $1,820 | $454 | 33.2% |
| South Carolina | $1,236 | -$130 | -9.5% |
| South Dakota | $1,152 | -$214 | -15.7% |
| Tennessee | $1,196 | -$170 | -12.4% |
| Texas | $1,646 | $280 | 20.5% |
| Utah | $1,010 | -$356 | -26.1% |
| Vermont | $934 | -$432 | -31.6% |
| Virginia | $816 | -$550 | -40.3% |
| Washington | $1,056 | -$310 | -22.7% |
| West Virginia | $1,250 | -$116 | -8.5% |
| Wisconsin | $944 | -$422 | -30.9% |
| Wyoming | $1,216 | -$150 | -11.0% |
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted 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 | $1,294 | $108 |
| Ford Flex SEL 2WD | $1,330 | $111 |
| Ford Flex SEL AWD | $1,366 | $114 |
| Ford Flex Limited 2WD | $1,402 | $117 |
| Ford Flex Limited AWD | $1,402 | $117 |
Rates assume 2018 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 |
|---|---|---|---|---|
| 2018 Ford Flex | $282 | $474 | $452 | $1,366 |
| 2012 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2011 Ford Flex | $206 | $272 | $478 | $1,114 |
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 Cheap Ford Flex Insurance
Finding better rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The following is a brief summary of the information covered in the above illustrations.
- Drivers can save approximately $160 per year simply by shopping early and online
- Teens are the costliest to insure, as much as $430 per month if full coverage is included
- Increasing policy deductibles could save up to $500 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,590 more annually for Flex insurance
- Consumers who want higher liability limits will pay about $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
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
Secured with SHA-256 Encryption
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 | $5,160 |
| 20 | $3,140 |
| 30 | $1,416 |
| 40 | $1,366 |
| 50 | $1,246 |
| 60 | $1,222 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,698 |
| $250 | $1,544 |
| $500 | $1,366 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,366 |
| 50/100 | $1,492 |
| 100/300 | $1,605 |
| 250/500 | $1,899 |
| 100 CSL | $1,538 |
| 300 CSL | $1,786 |
| 500 CSL | $1,967 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,350 |
| 20 | $5,000 |
| 30 | $3,008 |
| 40 | $2,952 |
| 50 | $2,818 |
| 60 | $2,792 |
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 | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $97 |
| Total Discounts | $573 |
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
