Ford Flex Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
U.S. average auto insurance rates for a Ford Flex are $1,114 annually for full coverage insurance. Comprehensive insurance costs an estimated $206 a year, collision costs $272, and liability is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,392 or more. 16-year-old drivers pay the highest rates at $4,378 a year or more.
Average premium for full coverage: $1,114
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Flex trim levels.
Price Range from Low to High
For the normal driver, Ford Flex insurance prices go from as cheap as $526 for basic liability insurance to a high of $2,392 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than congested cities.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above illustrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate 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.
Rate Comparisons
The chart below illustrates estimated Ford Flex insurance rates for other coverage scenarios.
- The best full coverage rate is $671
- Choosing higher $1,000 deductibles can save approximately $1,004 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,114
- Buying low $100 deductibles for comp and collision coverage costs an additional $206 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,392 or more
- The price with full coverage for a 16-year-old driver can cost as much as $4,378 each year
Insurance prices for a Ford Flex are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $320 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Ford Flex insurance prices. A good driver about age 40 could pay as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,500 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,008 | -$106 | -9.5% |
| Alaska | $854 | -$260 | -23.3% |
| Arizona | $924 | -$190 | -17.1% |
| Arkansas | $1,114 | -$0 | 0.0% |
| California | $1,268 | $154 | 13.8% |
| Colorado | $1,064 | -$50 | -4.5% |
| Connecticut | $1,144 | $30 | 2.7% |
| Delaware | $1,260 | $146 | 13.1% |
| Florida | $1,392 | $278 | 25.0% |
| Georgia | $1,026 | -$88 | -7.9% |
| Hawaii | $800 | -$314 | -28.2% |
| Idaho | $754 | -$360 | -32.3% |
| Illinois | $828 | -$286 | -25.7% |
| Indiana | $836 | -$278 | -25.0% |
| Iowa | $750 | -$364 | -32.7% |
| Kansas | $1,058 | -$56 | -5.0% |
| Kentucky | $1,518 | $404 | 36.3% |
| Louisiana | $1,646 | $532 | 47.8% |
| Maine | $686 | -$428 | -38.4% |
| Maryland | $918 | -$196 | -17.6% |
| Massachusetts | $892 | -$222 | -19.9% |
| Michigan | $1,934 | $820 | 73.6% |
| Minnesota | $932 | -$182 | -16.3% |
| Mississippi | $1,334 | $220 | 19.7% |
| Missouri | $988 | -$126 | -11.3% |
| Montana | $1,196 | $82 | 7.4% |
| Nebraska | $878 | -$236 | -21.2% |
| Nevada | $1,334 | $220 | 19.7% |
| New Hampshire | $802 | -$312 | -28.0% |
| New Jersey | $1,246 | $132 | 11.8% |
| New Mexico | $984 | -$130 | -11.7% |
| New York | $1,172 | $58 | 5.2% |
| North Carolina | $640 | -$474 | -42.5% |
| North Dakota | $910 | -$204 | -18.3% |
| Ohio | $770 | -$344 | -30.9% |
| Oklahoma | $1,142 | $28 | 2.5% |
| Oregon | $1,018 | -$96 | -8.6% |
| Pennsylvania | $1,064 | -$50 | -4.5% |
| Rhode Island | $1,484 | $370 | 33.2% |
| South Carolina | $1,008 | -$106 | -9.5% |
| South Dakota | $940 | -$174 | -15.6% |
| Tennessee | $976 | -$138 | -12.4% |
| Texas | $1,344 | $230 | 20.6% |
| Utah | $826 | -$288 | -25.9% |
| Vermont | $762 | -$352 | -31.6% |
| Virginia | $666 | -$448 | -40.2% |
| Washington | $860 | -$254 | -22.8% |
| West Virginia | $1,020 | -$94 | -8.4% |
| Wisconsin | $770 | -$344 | -30.9% |
| Wyoming | $992 | -$122 | -11.0% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,070 | $89 |
| Ford Flex SEL 2WD | $1,092 | $91 |
| Ford Flex SEL AWD | $1,114 | $93 |
| Ford Flex Limited 2WD | $1,134 | $95 |
| Ford Flex Limited AWD | $1,134 | $95 |
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 | $270 | $446 | $456 | $1,330 |
| 2018 Ford Flex | $258 | $400 | $460 | $1,276 |
| 2017 Ford Flex | $242 | $368 | $460 | $1,228 |
| 2016 Ford Flex | $234 | $346 | $464 | $1,202 |
| 2015 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2014 Ford Flex | $210 | $300 | $474 | $1,142 |
| 2013 Ford Flex | $206 | $272 | $478 | $1,114 |
| 2012 Ford Flex | $192 | $248 | $474 | $1,072 |
| 2011 Ford Flex | $180 | $226 | $474 | $1,038 |
| 2010 Ford Flex | $174 | $202 | $468 | $1,002 |
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 the Best Cheap Ford Flex Insurance
Getting lower rates on insurance for a Ford Flex takes being a low-risk driver, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick review of the data that was presented in the illustrations above.
- It is possible to save approximately $130 per year simply by quoting early and online
- Insureds who want more liability coverage will pay around $530 annually to raise limits from a low limit to higher 250/500 limits
- Teen drivers are expensive to insure, as much as $365 a month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,280 more annually to insure their Flex
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 | $4,378 |
| 20 | $2,534 |
| 30 | $1,140 |
| 40 | $1,114 |
| 50 | $1,022 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,114 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,114 |
| 50/100 | $1,230 |
| 100/300 | $1,349 |
| 250/500 | $1,660 |
| 100 CSL | $1,277 |
| 300 CSL | $1,540 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,188 |
| 20 | $4,040 |
| 30 | $2,420 |
| 40 | $2,392 |
| 50 | $2,286 |
| 60 | $2,262 |
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 | $57 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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