Ford Flex Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Average insurance prices for a Ford Flex are $1,366 every 12 months including full coverage. Comprehensive insurance costs an estimated $282, collision costs $474, and liability costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $2,952 or more. Teens receive the highest rates at $5,160 a year or more.
Average premium for full coverage: $1,366
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Flex trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $504 for just liability coverage to a much higher rate of $2,952 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below breaks down estimated Ford Flex insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $793
- Using higher $1,000 deductibles will save approximately $172 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,366
- Selecting more expensive low deductibles for physical damage coverage costs an extra $332 annually
- High-risk insureds with serious driving violations could pay up to $2,952 or more
- The cost to insure a 16-year-old driver with full coverage can cost as much as $5,160 or more
Auto insurance rates for a Ford Flex can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Ford Flex insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, 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 so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates can be significantly different.
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 Shop for Affordable Ford Flex Insurance
Saving money on insurance for a Ford Flex requires being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a brief review of the information raised in the charts and tables above.
- You may be able to save approximately $160 per year simply by shopping early and online
- Teen drivers are the costliest to insure, as much as $430 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $500 each year
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,590 more annually to insure their Flex
- Insureds who want more liability coverage will pay approximately $500 per year to increase from a minimum limit to a 250/500 level
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 | $5,160 |
| 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.
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