Ford Flex Insurance Rates

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Lower Your 2010 Ford Flex Car Insurance Quotes in 2025

I doubt anyone likes buying auto insurance, especially when the prices are way too high. Since you have so many companies and agents to choose from, it's difficult to pick the right company. Finding the lowest cost coverage is quite easy. If you have insurance now or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. Drivers only need t...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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.

Average auto insurance rates for a Ford Flex are $1,142 annually for full coverage insurance. Comprehensive insurance costs an estimated $210, collision costs $300, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,458 or more. Teen drivers receive the highest rates at $4,474 a year or more.

Average premium for full coverage: $1,142

Rate estimates broken down by individual coverage type:

Comprehensive $210
Collision $300
Liability $474

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Flex trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as cheap as $522 for just the minimum liability insurance to a much higher rate of $2,458 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,142
High Risk $2,458

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

These examples illustrate 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 illustrates estimated Ford Flex insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $681
  • Raising to $1,000 deductibles will save approximately $116 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,142
  • Choosing more expensive low deductibles costs an additional $220 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,458 or more
  • The cost with full coverage for a teenage driver with full coverage can cost as much as $4,474

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing full coverage Ford Flex insurance prices range from $681 to $4,474

Auto insurance rates for a Ford Flex can also vary considerably based on the trim level of your Flex, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $340 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Flex insurance rates. A middle-age driver might find rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,540 on average in Florida, New York, and Michigan.

Ford Flex Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$110 -9.6%
Alaska $876 -$266 -23.3%
Arizona $946 -$196 -17.2%
Arkansas $1,142 -$0 0.0%
California $1,302 $160 14.0%
Colorado $1,092 -$50 -4.4%
Connecticut $1,174 $32 2.8%
Delaware $1,292 $150 13.1%
Florida $1,430 $288 25.2%
Georgia $1,052 -$90 -7.9%
Hawaii $820 -$322 -28.2%
Idaho $770 -$372 -32.6%
Illinois $852 -$290 -25.4%
Indiana $858 -$284 -24.9%
Iowa $770 -$372 -32.6%
Kansas $1,086 -$56 -4.9%
Kentucky $1,558 $416 36.4%
Louisiana $1,690 $548 48.0%
Maine $704 -$438 -38.4%
Maryland $940 -$202 -17.7%
Massachusetts $914 -$228 -20.0%
Michigan $1,984 $842 73.7%
Minnesota $954 -$188 -16.5%
Mississippi $1,366 $224 19.6%
Missouri $1,014 -$128 -11.2%
Montana $1,226 $84 7.4%
Nebraska $900 -$242 -21.2%
Nevada $1,368 $226 19.8%
New Hampshire $822 -$320 -28.0%
New Jersey $1,276 $134 11.7%
New Mexico $1,012 -$130 -11.4%
New York $1,204 $62 5.4%
North Carolina $658 -$484 -42.4%
North Dakota $934 -$208 -18.2%
Ohio $788 -$354 -31.0%
Oklahoma $1,174 $32 2.8%
Oregon $1,046 -$96 -8.4%
Pennsylvania $1,092 -$50 -4.4%
Rhode Island $1,524 $382 33.5%
South Carolina $1,034 -$108 -9.5%
South Dakota $964 -$178 -15.6%
Tennessee $1,000 -$142 -12.4%
Texas $1,376 $234 20.5%
Utah $846 -$296 -25.9%
Vermont $782 -$360 -31.5%
Virginia $684 -$458 -40.1%
Washington $884 -$258 -22.6%
West Virginia $1,046 -$96 -8.4%
Wisconsin $792 -$350 -30.6%
Wyoming $1,018 -$124 -10.9%

View Chart as Image

Ford Flex insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

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 $1,094 $91
Ford Flex SEL 2WD $1,118 $93
Ford Flex SEL AWD $1,142 $95
Ford Flex Limited 2WD $1,166 $97
Ford Flex Limited AWD $1,166 $97

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.

Ford Flex Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Ford Flex $282 $474 $452 $1,366
2018 Ford Flex $270 $446 $456 $1,330
2017 Ford Flex $258 $400 $460 $1,276
2016 Ford Flex $242 $368 $460 $1,228
2015 Ford Flex $234 $346 $464 $1,202
2014 Ford Flex $228 $322 $474 $1,182
2013 Ford Flex $210 $300 $474 $1,142
2012 Ford Flex $206 $272 $478 $1,114
2011 Ford Flex $192 $248 $474 $1,072
2010 Ford Flex $180 $226 $474 $1,038

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 Affordable Ford Flex Insurance

Saving money on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a brief review of the car insurance concepts illustrated above.

  • Drivers with DUI or reckless driving convictions may pay on average $1,320 more annually than a driver with a clean driving record
  • It is possible to save approximately $130 per year simply by shopping early and online
  • Increasing deductibles could save up to $325 each year
  • Consumers who want additional liability coverage will pay about $520 annually to raise from a minimum limit 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.

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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

  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 $4,474
20 $2,608
30 $1,172
40 $1,142
50 $1,044
60 $1,024

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,362
$250 $1,264
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,142
50/100 $1,261
100/300 $1,379
250/500 $1,687
100 CSL $1,308
300 CSL $1,569
500 CSL $1,759

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $6,332
20 $4,160
30 $2,490
40 $2,458
50 $2,350
60 $2,326

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 $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $461
Rate after discounts $681

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

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