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: Jun 6, 2023

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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 auto insurance rates for a Ford Flex are $1,366 annually with full coverage. Comprehensive costs on average $282, collision insurance costs $474, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $2,952. Teenage drivers pay the highest rates at up to $5,160 a year.

Average premium for full coverage: $1,366

Price estimates by individual coverage:

Comprehensive $282
Collision $474
Liability $452

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Flex models.

Price Range from Low to High

For the average driver, Ford Flex insurance prices range from as cheap as $504 for your basic liability-only policy to the much higher price of $2,952 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,366
High Risk $2,952

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have fewer collision claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

The ranges above demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, 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 Information

The chart below details average Ford Flex insurance rates for different risk profiles and scenarios.

  • The best discount rate is $793
  • Using higher $1,000 deductibles will save around $172 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,366
  • Using pricier low deductibles for physical damage coverage will cost $1,698
  • Drivers who are prone to accidents and violations could pay upwards of $2,952
  • The price with full coverage for a teen driver for full coverage may cost $5,160 or more

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing Ford Flex insurance rates range from $793 to $5,160 for full coverage

Insurance prices for a Ford Flex are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. Ford Flex insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Flex insurance prices. A driver around age 40 might see prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

Ford Flex Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$132 -9.7%
Alaska $1,048 -$318 -23.3%
Arizona $1,134 -$232 -17.0%
Arkansas $1,366 -$0 0.0%
California $1,554 $188 13.8%
Colorado $1,302 -$64 -4.7%
Connecticut $1,404 $38 2.8%
Delaware $1,544 $178 13.0%
Florida $1,708 $342 25.0%
Georgia $1,260 -$106 -7.8%
Hawaii $980 -$386 -28.3%
Idaho $924 -$442 -32.4%
Illinois $1,018 -$348 -25.5%
Indiana $1,028 -$338 -24.7%
Iowa $920 -$446 -32.7%
Kansas $1,296 -$70 -5.1%
Kentucky $1,862 $496 36.3%
Louisiana $2,020 $654 47.9%
Maine $842 -$524 -38.4%
Maryland $1,126 -$240 -17.6%
Massachusetts $1,092 -$274 -20.1%
Michigan $2,372 $1,006 73.6%
Minnesota $1,144 -$222 -16.3%
Mississippi $1,634 $268 19.6%
Missouri $1,212 -$154 -11.3%
Montana $1,466 $100 7.3%
Nebraska $1,078 -$288 -21.1%
Nevada $1,638 $272 19.9%
New Hampshire $984 -$382 -28.0%
New Jersey $1,526 $160 11.7%
New Mexico $1,210 -$156 -11.4%
New York $1,438 $72 5.3%
North Carolina $786 -$580 -42.5%
North Dakota $1,118 -$248 -18.2%
Ohio $944 -$422 -30.9%
Oklahoma $1,400 $34 2.5%
Oregon $1,250 -$116 -8.5%
Pennsylvania $1,302 -$64 -4.7%
Rhode Island $1,820 $454 33.2%
South Carolina $1,236 -$130 -9.5%
South Dakota $1,152 -$214 -15.7%
Tennessee $1,196 -$170 -12.4%
Texas $1,646 $280 20.5%
Utah $1,010 -$356 -26.1%
Vermont $934 -$432 -31.6%
Virginia $816 -$550 -40.3%
Washington $1,056 -$310 -22.7%
West Virginia $1,250 -$116 -8.5%
Wisconsin $944 -$422 -30.9%
Wyoming $1,216 -$150 -11.0%

View Chart as Image

Ford Flex insurance rates by U.S. city

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 $1,294 $108
Ford Flex SEL 2WD $1,330 $111
Ford Flex SEL AWD $1,366 $114
Ford Flex Limited 2WD $1,402 $117
Ford Flex Limited AWD $1,402 $117

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.

Ford Flex Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Ford Flex $282 $474 $452 $1,366
2012 Ford Flex $210 $300 $474 $1,142
2011 Ford Flex $206 $272 $478 $1,114

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 Buy the Cheapest Ford Flex Insurance

Getting lower rates on car insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a recap of the data that was touched on above.

  • You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
  • Policyholders who require additional liability coverage will pay an extra $500 every year to increase from a low limit to higher 250/500 limits
  • 16 to 18-year-old drivers pay the highest prices, costing up to $430 a month including comprehensive and collision insurance
  • Higher risk drivers that have major violations or accidents pay an average of $1,590 more each year than a driver with a clean driving record

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.



Rates by Driver Age

Ford Flex Insurance Rates by Driver Age
Driver Age Premium
16 $5,160
20 $3,140
30 $1,416
40 $1,366
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,544
$500 $1,366
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,366
50/100 $1,492
100/300 $1,605
250/500 $1,899
100 CSL $1,538
300 CSL $1,786
500 CSL $1,967

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Flex Insurance Rates for High Risk Drivers
Age Premium
16 $7,350
20 $5,000
30 $3,008
40 $2,952
50 $2,818
60 $2,792

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 $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $97
Total Discounts $573
Rate after discounts $793

Discounts are estimated and may not be available from every company or in every state.

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