Ford Flex Insurance Rates
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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 rates for a Ford Flex are $1,182 a year including full coverage. Comprehensive insurance costs on average $228 each year, collision costs $322, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,542 or more. Teenage drivers cost the most to insure at $4,590 a year or more.
Average premium for full coverage: $1,182
Policy rates by type of insurance:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Flex models.
Price Range Variability
Using a middle-aged driver as an example, Ford Flex insurance rates go from the low end price of $522 for liability-only coverage to a high rate of $2,542 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location, instead of using average rates.
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 Charts and Tables
The chart below breaks down estimated Ford Flex insurance rates for different risk profiles and scenarios.
- The best discount rate is $703
- Choosing higher $1,000 deductibles can save around $124 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,182
- Using low deductibles for comp and collision coverage will cost an additional $240 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,542 or more
- Policy cost that insures a teen driver may cost $4,590 each year
Auto insurance rates for a Ford Flex also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age
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 $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,070 | -$112 | -9.5% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,348 | $166 | 14.0% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,216 | $34 | 2.9% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,478 | $296 | 25.0% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $880 | -$302 | -25.5% |
| Indiana | $890 | -$292 | -24.7% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,750 | $568 | 48.1% |
| Maine | $728 | -$454 | -38.4% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,418 | $236 | 20.0% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,320 | $138 | 11.7% |
| New Mexico | $1,048 | -$134 | -11.3% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,130 | -$52 | -4.4% |
| Rhode Island | $1,576 | $394 | 33.3% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,036 | -$146 | -12.4% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $874 | -$308 | -26.1% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,082 | -$100 | -8.5% |
| Wisconsin | $820 | -$362 | -30.6% |
| Wyoming | $1,052 | -$130 | -11.0% |
Using high physical damage deductibles can save as much as $370 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,130 | $94 |
| Ford Flex SEL 2WD | $1,158 | $97 |
| Ford Flex SEL AWD | $1,182 | $99 |
| Ford Flex Limited 2WD | $1,208 | $101 |
| Ford Flex Limited AWD | $1,208 | $101 |
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 | $292 | $512 | $442 | $1,404 |
| 2018 Ford Flex | $282 | $474 | $452 | $1,366 |
| 2017 Ford Flex | $270 | $446 | $456 | $1,330 |
| 2016 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2015 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2014 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2013 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2012 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2011 Ford Flex | $206 | $272 | $478 | $1,114 |
| 2010 Ford Flex | $192 | $248 | $474 | $1,072 |
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
Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices at every other renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The points below are a brief summary of the concepts that were touched on in the above illustrations.
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,360 more each year to insure a Ford Flex
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $383 each month if the policy includes full coverage
- You may be able to save as much as $140 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $375 each year
- You may be able to save as much as $140 per year simply by quoting online in advance
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 | $4,590 |
| 20 | $2,696 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,060 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,312 |
| $500 | $1,182 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,500 |
| 20 | $4,296 |
| 30 | $2,576 |
| 40 | $2,542 |
| 50 | $2,428 |
| 60 | $2,404 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $82 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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