Best Ford Flex Insurance Rates [Coverage Guide]

Ford Flex insurance rates are $121/mo or $1,454/yr, which makes Ford Flex insurance around $65 less per year than the average vehicle. Mature drivers with good driving records may find Ford Flex insurance rates as low as $71.25/mo or $855/yr, while teenage drivers may pay as much as $443/mo or $5,314/yr on Ford Flex insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 are $443 for teen drivers. Good drivers, however, can save up to $600 per year through policy discounts. Continue reading to learn more.

You can start comparing quotes for Ford Flex insurance rates from some of the best auto 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.

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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 Mercedes-Benz GLA 250, Nissan Pathfinder, and Volkswagen Atlas.

Vehicle Comprehensive Collision Liability Total
Ford Flex $332 $566 $398 $1,454
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Nissan Pathfinder $294 $452 $390 $1,294
Volkswagen Atlas $358 $690 $390 $1,596
Chevrolet Suburban $336 $532 $372 $1,398
Cadillac XT5 $376 $718 $372 $1,624
Volvo XC60 $306 $536 $338 $1,316
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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 can impact the total price you will pay for Ford Flex insurance coverage.

Age of the Vehicle

The average Ford Flex insurance rates are higher for newer models. For example, auto insurance for a 2018 Ford Flex costs $1,454, while the 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 insurance rates. As an example, a 30-year-old driver pays around $64 more each year for their Ford Flex auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Flex insurance rates. For example, drivers in Jacksonville may pay $872 a year more than drivers in Indianapolis.

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 insurance rates with violations on their driving record.

Ford Flex Safety Ratings

Your Ford Flex auto insurance rates are tied to the Ford Flex’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side A
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Ford Flex Crash Test Ratings

Good Ford Flex crash test ratings can lower your Ford Flex insurance rates. See Ford Flex crash test results below:

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

Having a variety of safety features on your Ford Flex can help lower your insurance costs. According to AutoBlog, the 2020 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

The lower percentage means lower Ford Flex auto insurance costs; higher percentages mean higher Ford Flex auto 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, you will pay more if you purchase Ford Flex auto insurance at the dealership, so be sure to shop around and compare Ford Flex insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Ford Flex Insurance

Although it may seem like your Ford Flex insurance rates are set, there are a few measures that you can take to secure the best Ford Flex insurance rates possible. Take a look at the following five ways to save on Ford Flex auto insurance.

  • Take Public Transit Instead of Driving Your Ford Flex
  • Ask About Usage-Based Insurance for Your Ford Flex
  • Buy a Dashcam for Your Ford Flex
  • Compare Insurance Companies After Moving
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts

Top Ford Flex Insurance Companies

Several top auto insurance companies offer competitive rates for the Ford Flex rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Ford Flex drivers organized by market share.

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

To start comparing Ford Flex insurance quotes for free, use our online auto insurance comparison tool.

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