Ford Flex Insurance Rates
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UPDATED: Aug 24, 2022
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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 prices for a Ford Flex are $1,404 every 12 months for full coverage. Comprehensive costs around $292 a year, collision costs $512, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $3,040. 16-year-old drivers pay the most at $5,280 a year or more.
Average premium for full coverage: $1,404
Premium estimates for type of coverage:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Flex trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Ford Flex go from the cheapest price of $496 for liability-only coverage to a high of $3,040 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences show why it is important to get quotes for a specific zip code and their own driving history, rather than relying 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.
Additional Charts and Tables
The chart below shows estimated Ford Flex insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $809
- Choosing higher $1,000 deductibles can save about $1,220 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,404
- Buying low $100 deductibles for comp and collision coverage increases the price to $1,756
- High-risk insureds with multiple tickets or accidents could pay at least $3,040 or more
- An auto insurance policy to insure a teen driver can be $5,280 each year
Auto insurance prices for a Ford Flex also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $540 each year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Ford Flex insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or at least $2,000 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,270 | -$134 | -9.5% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,342 | -$62 | -4.4% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,588 | $184 | 13.1% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $950 | -$454 | -32.3% |
| Illinois | $1,046 | -$358 | -25.5% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,336 | -$68 | -4.8% |
| Kentucky | $1,916 | $512 | 36.5% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $866 | -$538 | -38.3% |
| Maryland | $1,160 | -$244 | -17.4% |
| Massachusetts | $1,124 | -$280 | -19.9% |
| Michigan | $2,440 | $1,036 | 73.8% |
| Minnesota | $1,174 | -$230 | -16.4% |
| Mississippi | $1,682 | $278 | 19.8% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,682 | $278 | 19.8% |
| New Hampshire | $1,010 | -$394 | -28.1% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,480 | $76 | 5.4% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,150 | -$254 | -18.1% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,442 | $38 | 2.7% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$64 | -4.6% |
| Rhode Island | $1,874 | $470 | 33.5% |
| South Carolina | $1,270 | -$134 | -9.5% |
| South Dakota | $1,186 | -$218 | -15.5% |
| Tennessee | $1,232 | -$172 | -12.3% |
| Texas | $1,692 | $288 | 20.5% |
| Utah | $1,040 | -$364 | -25.9% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $842 | -$562 | -40.0% |
| Washington | $1,086 | -$318 | -22.6% |
| West Virginia | $1,286 | -$118 | -8.4% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,252 | -$152 | -10.8% |
With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Flex SE 2WD | $1,328 | $111 |
| Ford Flex SEL 2WD | $1,366 | $114 |
| Ford Flex SEL AWD | $1,404 | $117 |
| Ford Flex Limited 2WD | $1,442 | $120 |
| Ford Flex Limited AWD | $1,442 | $120 |
Rates assume 2018 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 |
|---|---|---|---|---|
| 2018 Ford Flex | $292 | $512 | $442 | $1,404 |
| 2012 Ford Flex | $228 | $322 | $474 | $1,182 |
| 2011 Ford Flex | $210 | $300 | $474 | $1,142 |
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 Shop for Low Cost Ford Flex Insurance
Finding better rates on Ford Flex insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.
Below is a review of the data that was touched on in this article.
- Drivers can save up to $170 per year simply by quoting early and online
- Drivers who may need higher levels of liability will pay around $490 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are expensive to insure, as much as $440 per month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,640 more every year for auto insurance
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 | $5,280 |
| 20 | $3,234 |
| 30 | $1,462 |
| 40 | $1,404 |
| 50 | $1,282 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,594 |
| $500 | $1,404 |
| $1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,530 |
| 100/300 | $1,641 |
| 250/500 | $1,928 |
| 100 CSL | $1,575 |
| 300 CSL | $1,818 |
| 500 CSL | $1,995 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,526 |
| 20 | $5,156 |
| 30 | $3,102 |
| 40 | $3,040 |
| 50 | $2,902 |
| 60 | $2,876 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $100 |
| Total Discounts | $595 |
Discounts are estimated and may not be available from every company or in every state.
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