Ford Flex Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Average insurance rates for a Ford Flex are $1,142 a year including full coverage. Comprehensive costs an estimated $210 a year, collision insurance costs $300, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,458. Teenage drivers receive the highest rates at up to $4,474 a year.
Average premium for full coverage: $1,142
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Flex trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $522 for the bare minimum liability coverage to a high of $2,458 for a policy for a high-risk driver.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why it is important to compare rates for a targeted area and risk profile, rather than 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.
Additional Rate Information
The chart below breaks down average Ford Flex insurance rates for other coverage scenarios.
- The best discount rate is $681
- Drivers who choose higher $1,000 deductibles will pay approximately $1,026 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,142
- Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,362
- High-risk insureds who are prone to accidents and violations could pay up to $2,458
- The cost for full coverage for a teenage driver can cost as much as $4,474 a year
Car insurance rates for a Ford Flex can also vary considerably based on your driver profile, the model of your Flex, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,400 a year. View Rates by Age
Where you live makes a big difference in Ford Flex insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,630 on average in Louisiana, New York, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $340 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 137% more than a normal 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 | $1,094 | $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.
| 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 Affordable Ford Flex Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and possibly higher deductibles. Set aside time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below you'll find a brief review of the coverage data covered above.
- You may be able to save approximately $130 per year just by quoting early and online
- Increasing deductibles can save around $325 each year
- Youthful drivers have the highest car insurance rates, as much as $373 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,320 more annually than a low-risk driver
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 | $4,474 |
| 20 | $2,608 |
| 30 | $1,172 |
| 40 | $1,142 |
| 50 | $1,044 |
| 60 | $1,024 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,362 |
| $250 | $1,264 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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