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...

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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.

Estimated insurance rates for a Ford Flex are $1,142 a year for full coverage insurance. Comprehensive insurance costs an estimated $210, collision costs $300, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,458 or more. Teen drivers pay the most at $4,474 a year or more.

Average premium for full coverage: $1,142

Premium estimates broken down by type of coverage:

Comprehensive $210
Collision $300
Liability $474

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Flex trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Ford Flex go from the low end price of $522 for liability-only coverage to a much higher rate of $2,458 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on 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 Charts and Tables

The chart below illustrates estimated Ford Flex insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $681
  • Choosing higher $1,000 deductibles can save approximately $116 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,142
  • Choosing more expensive low deductibles for comp and collision coverage will cost an additional $220 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,458 or more
  • An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $4,474 each year

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 prices for a Ford Flex also have a wide range based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance ranges from 42% to 137% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Flex insurance prices. A good driver about age 40 could pay 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

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

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

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 Find More Affordable Ford Flex Insurance

Finding better rates on insurance for a Ford Flex takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a summary of the concepts that were touched on in the above illustrations.

  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,320 more annually to insure a Ford Flex
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $373 per month if the policy includes full coverage
  • It is possible to save approximately $130 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $325 each year
  • It is possible to save approximately $130 per year simply by shopping early and online

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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