Ford Flex Insurance [How to Find Cheap Rates]

Average Ford Flex car insurance rates cost $1,454 a year, or around $121 a month. Good drivers can save as much as $2,242 a year over higher risk drivers.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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 around $1,454 a year or $121 a month. Good drivers can save around $599 a year in discounts by practicing safe driving habits. Let’s take a look at Ford Flex insurance rates, safety ratings, and more.

You can start comparing 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 car insurance costs for a Ford Flex are $1,454 a year or $121 a month.

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Are Ford Flexs Expensive to Insure?

The chart below details how Ford Flex insurance rates compare to other SUVs like the Ford Explorer, Nissan Armada, and Volvo XC90.

Vehicle Comprehensive Collision Liability Total
Ford Flex $332 $566 $398 $1,454
Ford Explorer $308 $470 $372 $1,308
Nissan Armada $306 $536 $338 $1,316
Volvo XC90 $346 $600 $390 $1,494
Lexus LX 570 $444 $834 $398 $1,834
Jeep Wrangler $280 $376 $420 $1,256
GMC Yukon $376 $594 $372 $1,500
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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 will affect the total price you will pay for Ford Flex insurance coverage.

Age of the Vehicle

Older Ford Flex models generally cost less to insure. For example, auto insurance for a 2018 Ford Flex costs $1,454, while 2010 Ford Flex insurance costs 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
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Driver Age

Driver age can have a significant effect on Ford Flex car insurance rates. For example, 30-year-old drivers pay $64 more for Ford Flex car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Flex insurance rates. For example, drivers in New York may pay $378 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Ford Flex auto insurance. 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

Your Ford Flex auto insurance rates are influenced by the Ford Flex’s safety ratings. See the breakdown 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
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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
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Ford Flex Safety Features

Ford Flex safety features can lower the cost of your insurance. The safety features for the 2020 Ford Flex 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

The lower percentage means lower Ford Flex car insurance costs; higher percentages mean higher Ford Flex car insurance costs. Compare the following Ford Flex auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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Ford Flex Finance and Insurance Cost

If you are financing a Ford Flex, most lenders will require your carry higher Ford Flex coverages including comprehensive coverage, so be sure to 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 have more options at your disposal to save money on your Ford Flex auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Flex car insurance rates

  • Consider Ride Sharing Services to Lower Your Ford Flex Mileage
  • Compare Insurance Companies After Moving
  • Compare Ford Flex Quotes for Free Online
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Make Sure You’re Raising a Safe Driver

Top Ford Flex Insurance Companies

Who is the top car insurance 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 auto 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
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Compare Free Ford Flex Insurance Quotes Online

Start comparing Ford Flex car insurance quotes for free by using our convenient online comparison tool.

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

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