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.
U.S. average insurance rates for a Ford Flex are $1,182 a year with full coverage. Comprehensive insurance costs on average $228 a year, collision insurance costs $322, and liability insurance is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,542 or more. Teens pay the highest rates at up to $4,590 a year.
Average premium for full coverage: $1,182
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Flex trim levels.
Price Range from Low to High
For an average driver, Ford Flex insurance prices range from as low as $522 for the bare minimum liability coverage to a high of $2,542 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.
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 Information
The chart below details average Ford Flex insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $703
- Raising to $1,000 deductibles will save around $1,058 annually
- The average rate for the average middle-age driver with $500 deductibles is $1,182
- Selecting low $100 deductibles will cost an extra $240 a year
- Higher-risk drivers with serious driving violations could pay upwards of $2,542
- The price for full coverage for a teen driver may cost $4,590
Car insurance prices for a Ford Flex are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age
The state you live in also has a big influence on Ford Flex insurance rates. A middle-age driver might find prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,600 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $370 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
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 Affordable Ford Flex Insurance
Getting lower rates on Ford Flex insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.
Below is a brief review of the data covered in the above illustrations.
- Drivers who require higher levels of liability will pay approximately $520 every year to raise from a low limit to 250/500 limits
- You may be able to save as much as $140 per year just by quoting early and online
- Increasing physical damage deductibles can save around $375 each year
- Teenage drivers are expensive to insure, costing up to $383 a month if full coverage is included
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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