Ford Flex Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Aug 24, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $292
Collision $512
Liability $442

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.

Liability Only $496
Full Coverage $1,404
High Risk $3,040

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.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

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

View Chart as Image

Ford Flex insurance cost comparison chart
Column chart showing full coverage Ford Flex insurance rates range from $809 to $5,280

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.

Ford Flex Insurance Rates by State
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%

View Chart as Image

Ford Flex insurance rates by U.S. city

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

Ford Flex Insurance Rates by Model and Trim Level
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.

Ford Flex Insurance Rates by Model Year
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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $5,280
20 $3,234
30 $1,462
40 $1,404
50 $1,282
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

Ford Flex Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,594
$500 $1,404
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Ford Flex Insurance Rates with Different Liability Limits
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

Ford Flex Insurance 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.

SR-22 Surcharge $196

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
Rate after discounts $809

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles