Ford Flex Insurance Rates
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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:
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.
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.
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
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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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.
References
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,698 |
| $250 | $1,544 |
| $500 | $1,366 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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