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Ford Flex Insurance Rates [Guide + Free Quotes]

The average Ford Flex insurance rates are $121/mo for full coverage, while teens pay the highest rates at up to $442.83/mo. Good drivers may have a monthly Ford Flex insurance cost as low as $71.25. Use our free comparison tool to shop around for the best Ford Flex insurance quotes in your area.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 3, 2020

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Key takeaways:

  • Full coverage costs around $1,454 a year or $121 each month
  • A liability-only policy costs around $583 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,314 a year or $443 each month
  • Good drivers can save as much as $599 a year by earning policy discounts
  • Ford Flex insurance costs around $65 less per year than the average vehicle

Ford Flex insurance rates cost about $65 less than the average vehicle, with full coverage costing around $1,454 a year or $121 a month. Teens will pay the highest as new drivers, with rates that average $5,314 a year or $443 a month. Good drivers save around $599 a year in discounts by remaining claim-free. Let’s take a look at Ford Flex car insurance rates, safety ratings, and more.

Looking for affordable Ford Flex insurance? You can compare car insurance quotes for Ford Flex car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Flex Insurance Cost

The average Ford Flex auto insurance costs are $1,454 a year or $121 a month. Car insurance for a Ford Flex can cost more or less depending on your driving record.

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Are Ford Flexes Expensive to Insure?

The chart below details how Ford Flex insurance rates compare to other SUVs like the GMC Terrain, Volkswagen Touareg, and Mercedes-Benz GLA 250.

Vehicle Comprehensive Collision Liability Total
Ford Flex $332 $566 $398 $1,454
GMC Terrain $322 $562 $316 $1,336
Volkswagen Touareg $372 $690 $390 $1,610
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Mitsubishi Outlander $306 $542 $332 $1,316
Hyundai Santa Fe $294 $562 $372 $1,386
Mitsubishi Outlander Sport $280 $512 $332 $1,260

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Flex Insurance?

The Ford Flex trim and model you choose can impact the total price you will pay for Ford Flex auto insurance coverage.

Age of the Vehicle

The average Ford Flex auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Ford Flex cost $1,454, while 2010 Ford Flex rates are $1,202, a difference of $252.

Model Year Comprehensive Collision Liability Total
2018 Ford Flex $332 $566 $398 $1,454
2017 Ford Flex $320 $552 $416 $1,446
2016 Ford Flex $310 $530 $430 $1,428
2015 Ford Flex $292 $512 $442 $1,404
2014 Ford Flex $282 $474 $452 $1,366
2013 Ford Flex $270 $446 $456 $1,330
2012 Ford Flex $258 $400 $460 $1,276
2011 Ford Flex $242 $368 $460 $1,228
2010 Ford Flex $234 $346 $464 $1,202

Driver Age

Driver age can have a significant effect on the cost of Ford Flex car insurance. For example, a 20-year-old driver could pay around $148 more each month for their Ford Flex car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Ford Flex insurance rates. For example, drivers in Houston may pay $1,071 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Ford Flex auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Flex car insurance with violations on their driving record.

Ford Flex Safety Ratings

The Ford Flex’s safety ratings will affect your Ford Flex auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Ford Flex Crash Test Ratings

Ford Flex crash test ratings will affect your Ford Flex car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Ford Flex SUV FWD N/R N/R N/R 4 stars
2019 Ford Flex SUV AWD N/R N/R N/R 4 stars
2018 Ford Flex SUV FWD N/R N/R N/R 4 stars
2018 Ford Flex SUV AWD N/R N/R N/R 4 stars
2017 Ford Flex SUV FWD N/R N/R N/R 4 stars
2017 Ford Flex SUV AWD N/R N/R N/R 4 stars
2016 Ford Flex SUV FWD N/R N/R N/R 4 stars
2016 Ford Flex SUV AWD N/R N/R N/R 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Flex Safety Features

Most drivers don’t realize that not only do Ford Flex safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford Flex auto insurance rates. The Ford Flex’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Ford Flex Insurance Loss Probability

Another contributing factor that affects Ford Flex car insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage -16%
Comprehensive 7%
Personal Injury -9%
Medical Payment 0%
Bodily Injury -13%
Source: Insurance Institute for Highway Safety

Ford Flex Finance and Insurance Cost

When financing a Ford Flex, most lenders will require your carry higher Ford Flex coverage options including comprehensive coverage, so be sure to shop around and compare Ford Flex car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Flex Insurance

You can save more money on your Ford Flex auto insurance rates by employing any of the following five strategies.

  • Watch Your Insurer Closely When Your Ford Flex Needs Repairs
  • Purchase a Roadside Assistance Program for Your Ford Flex
  • Ask About Seasonal Insurance for Your Ford Flex
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Ford Flex
  • Wait Six Years for Accidents to Disappear from Your Record

Top Ford Flex Insurance Companies

Who is the best company for Ford Flex insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Flex insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Flex offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Ford Flex Insurance Quotes Online

Start comparing Ford Flex auto insurance quotes for free by using our FREE online comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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