Ford Flex SE 2WD Insurance Rates
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U.S. average insurance rates for a Ford Flex SE 2WD are $1,402 a year for full coverage. Comprehensive costs around $340, collision costs $540, and liability coverage costs around $364. Liability-only insurance costs as low as $430 a year, with high-risk driver insurance costing around $3,004. Teenage drivers pay the highest rates at $5,092 a year or more.
Annual premium for full coverage: $1,402
Price estimates for type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Ford Flex Trim Level
Using a middle-aged driver as an example, Ford Flex SE 2WD insurance prices go from as low as $430 for basic liability insurance to the much higher price of $3,004 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.
The example below illustrates how where you live affects auto insurance rates.
These price ranges show why everyone should compare prices for a specific zip code and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Ford Flex SE 2WD Insurance
Car insurance rates for a Ford Flex SE 2WD are also quite variable based on your driving record, the model year of your Flex, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age
The state you live in has a huge impact on Ford Flex SE 2WD insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Using high physical damage deductibles could cut rates by as much as $590 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Ford Flex SE 2WD insurance for high-risk drivers can be around 43% to 128% more than a normal policy. View High Risk Driver Rates
Since rates can be so different, the only way to know your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes may be quite different from one company to the next.
Chart shows Ford Flex SE 2WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $814. Drivers who use higher $1,000 deductibles will pay around $1,202. The average rate for a driver age 40 with no violations using $500 deductibles is $1,402. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,788. Drivers with multiple violations and accidents could be charged at least $3,004. The rate for full coverage insurance for a 16-year-old driver can be as high as $5,092.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$134 | -9.6% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,164 | -$238 | -17.0% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,598 | $196 | 14.0% |
| Colorado | $1,342 | -$60 | -4.3% |
| Connecticut | $1,442 | $40 | 2.9% |
| Delaware | $1,588 | $186 | 13.3% |
| Florida | $1,754 | $352 | 25.1% |
| Georgia | $1,294 | -$108 | -7.7% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $948 | -$454 | -32.4% |
| Illinois | $1,044 | -$358 | -25.5% |
| Indiana | $1,056 | -$346 | -24.7% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,334 | -$68 | -4.9% |
| Kentucky | $1,912 | $510 | 36.4% |
| Louisiana | $2,076 | $674 | 48.1% |
| Maine | $866 | -$536 | -38.2% |
| Maryland | $1,156 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$280 | -20.0% |
| Michigan | $2,438 | $1,036 | 73.9% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,244 | -$158 | -11.3% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,106 | -$296 | -21.1% |
| Nevada | $1,682 | $280 | 20.0% |
| New Hampshire | $1,012 | -$390 | -27.8% |
| New Jersey | $1,568 | $166 | 11.8% |
| New Mexico | $1,242 | -$160 | -11.4% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $808 | -$594 | -42.4% |
| North Dakota | $1,148 | -$254 | -18.1% |
| Ohio | $966 | -$436 | -31.1% |
| Oklahoma | $1,442 | $40 | 2.9% |
| Oregon | $1,284 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$66 | -4.7% |
| Rhode Island | $1,870 | $468 | 33.4% |
| South Carolina | $1,270 | -$132 | -9.4% |
| South Dakota | $1,184 | -$218 | -15.5% |
| Tennessee | $1,228 | -$174 | -12.4% |
| Texas | $1,690 | $288 | 20.5% |
| Utah | $1,040 | -$362 | -25.8% |
| Vermont | $958 | -$444 | -31.7% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,082 | -$320 | -22.8% |
| West Virginia | $1,286 | -$116 | -8.3% |
| Wisconsin | $972 | -$430 | -30.7% |
| Wyoming | $1,250 | -$152 | -10.8% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,092 |
| 20 | $3,196 |
| 30 | $1,466 |
| 40 | $1,402 |
| 50 | $1,276 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,788 |
| $250 | $1,610 |
| $500 | $1,402 |
| $1,000 | $1,202 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,475 |
| 100/300 | $1,566 |
| 250/500 | $1,802 |
| 100 CSL | $1,511 |
| 300 CSL | $1,711 |
| 500 CSL | $1,857 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,268 |
| 20 | $5,070 |
| 30 | $3,078 |
| 40 | $3,004 |
| 50 | $2,864 |
| 60 | $2,834 |
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 | $75 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $68 |
| Online Quote | $100 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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