Ford Flex Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 insurance rates for a Ford Flex are $1,142 a year for full coverage. Comprehensive insurance costs on average $210, collision costs $300, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,458 or more. Teenage drivers receive the highest rates at $4,474 a year or more.

Average premium for full coverage: $1,142

Rate estimates by individual coverage type:

Comprehensive $210
Collision $300
Liability $474

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Flex models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $522 for just liability insurance to the much higher price of $2,458 for a high-risk driver policy.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

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

These examples show why everyone should compare rates quotes based on a specific location and risk profile, 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.

More Rate Details

The chart below shows estimated Ford Flex insurance rates for different risk profiles and scenarios.

  • The best discount rate is $681
  • Raising to $1,000 deductibles will save around $116 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,142
  • Using pricier low deductibles will cost an extra $220 every year
  • At-risk drivers who are prone to accidents and violations could pay upwards of $2,458 or more
  • The cost for full coverage for a teen driver for full coverage may cost $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

Insurance rates for a Ford Flex can also vary considerably based on your driver profile, the trim level of your Flex, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

Where you live also has a big influence on Ford Flex insurance prices. A middle-age driver might find rates as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,630 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can reduce rates by up to $340 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 additional per year, depending on your age. Ford Flex insurance for high-risk drivers is expensive and can cost as much as 42% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Cheap Ford Flex Insurance

Saving money on car insurance consists of having a decent driving record, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a brief summary of the information covered above.

  • Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers pay higher rates, costing as high as $373 per month including comprehensive and collision insurance
  • Increasing deductibles can save around $325 each year
  • Higher risk drivers that tend to have accidents or serious violations will pay on average $1,320 more each year than a driver with a clean driving record
  • Policyholders who require additional liability coverage will pay an extra $520 each year to raise from a minimum limit to 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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