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.
The average insurance prices for a Ford Flex are $1,182 every 12 months for full coverage. Comprehensive insurance costs around $228, collision costs $322, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,542 or more. Teenage drivers cost the most to insure at $4,590 a year or more.
Average premium for full coverage: $1,182
Policy rates for type of insurance:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Flex trim levels.
Price Range Variability
Using a middle-aged driver as an example, Ford Flex insurance rates go from the cheapest price of $522 for just liability coverage to a much higher rate of $2,542 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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.
Detailed Rate Analysis
The chart below shows estimated Ford Flex insurance rates for additional coverage choices and driver risks.
- The best discount rate is $703
- Raising to $1,000 deductibles will save about $124 a year
- The average price for a good driver age 40 using $500 deductibles is $1,182
- Using more expensive low deductibles costs an extra $240 every year
- At-risk drivers who are prone to accidents and violations could pay at least $2,542 or more
- Policy cost to insure a teen driver with full coverage can be $4,590
Auto insurance rates for a Ford Flex also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $370 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Ford Flex insurance prices. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,690 on average in Michigan, Louisiana, 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% |
Because rates have so much variability, the only way to know your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
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 Shop for the Cheapest Ford Flex Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The points below are a recap of the ideas that were touched on in the above illustrations.
- Drivers under the age of 20 are expensive to insure, costing up to $383 each month if comprehensive and collision insurance is included
- Higher risk drivers that have major violations or accidents may pay on average $1,360 more every year to insure a Ford Flex
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Drivers can save up to $140 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
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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