Ford Flex Car Insurance [Rates + Cheap Coverage Guide]

Average car insurance rates for a Ford Flex cost $1,454 a year, or around $121 a month. Comprehensive, collision, and liability insurance cost around $354, $517, and $410, respectively.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 7, 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

You may not be aware of how much Ford Flex car insurance rates should cost, and that ‘s where we come in to help. Ford Flex rates cost drivers a median of $1,454 a year or $121 every month, which is about $65 less than the average vehicle.

While every insurance policy is unique to the driver, certain elements such as the safety features, crash test ratings, and age of the vehicle impact Ford Flex insurance rates. Be sure to read through this guide to help you in your search for a quality policy.

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 Edge, BMW X3, and Jeep Grand Cherokee.

Vehicle Comprehensive Collision Liability Total
Ford Flex $332 $566 $398 $1,454
Ford Edge $266 $500 $372 $1,296
BMW X3 $376 $656 $372 $1,562
Jeep Grand Cherokee $322 $562 $372 $1,414
Lexus RX 350 $358 $660 $440 $1,638
Lexus LX 570 $444 $834 $398 $1,834
Toyota 4Runner $332 $512 $332 $1,312
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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 car insurance coverage.

Age of the Vehicle

Older Ford Flex models generally cost less to insure. For example, auto insurance rates for a 2018 Ford Flex are $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
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Driver Age

Driver age can have a significant impact on the cost of Ford Flex auto insurance. For example, 20-year-old drivers pay approximately $1,778 each year for their Ford Flex auto insurance than 30-year-old drivers.

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 the cost of Ford Flex car insurance. Teens and drivers in their 20’s see the highest jump in their Ford Flex auto insurance rates with violations on their driving record.

Ford Flex Safety Ratings

Your Ford Flex car insurance rates are tied to the safety ratings of the Ford Flex. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side N/R
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

If the Ford Flex crash test ratings are good, you could have lower Ford Flex car 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

Ford Flex safety features can lower the cost of your insurance. The safety features for the 2019 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

Another contributing factor that plays a direct role in Ford Flex 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
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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 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Flex Insurance

Save more on your Ford Flex car insurance rates. Take a look at the following five strategies that will get you the best Ford Flex auto insurance rates possible.

  • Never Drink and Drive Your Ford Flex
  • Ask About Ford Flex Low Mileage Discounts
  • Watch Your Insurer Closely When Your Ford Flex Needs Repairs
  • Pay Your Ford Flex Insurance Upfront
  • Understand that Insurance Companies Can’t Change Your Ford Flex Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score

Top Ford Flex Insurance Companies

Several top car 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 car 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

You can start comparing quotes for Ford Flex insurance from some of the top car insurance companies by using our free online tool today.According to MotorTrend, the average yearly cost of insurance for a Ford Flex is about $1,200 per year, a cost consistent for all models of the Ford Flex.

However, remember that the actual amount you will pay for auto insurance for your Ford Flex depends on many factors, including the insurance company you choose and your driving record.

The Ford Flex is considered a crossover sports utility vehicle and is well known for its innovative style and function.

The Flex can seat seven people and was first introduced in 2005 as a replacement for the Ford minivan known as the Freestar.

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What are some ways that I can save money on the car insurance for my Ford Flex?

 

The Ford Flex recently received some of the highest crash test ratings available for any sport utility vehicles.

According to the National Highway Transportation Safety Authority, the Ford Flex received a rating of four stars and earned a rating of “Good” in all but one of the 20 different specific ratings.

When speaking to your insurance agent or a customer service representative from your auto insurance company, be sure to ask if you are receiving all the possible discounts based on the fact that you are driving an extremely safe vehicle.

There are several other ways to save money on car insurance rates on a Ford Flex.

Most importantly, maintain a clean driving record which includes not receiving any tickets for moving violations and not being involved in any car accidents for at least a three-year period.

Even if you do not have a perfect driving record, you can still save money on your rates on your Ford Flex. Just ask your insurance agent if you qualify any other money-saving discounts.

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Will insurance rates for the Ford Flex cost more than other cars in the same class?

The cost of insurance for the Ford Flex compared to other cars will depend on a lot of factors.

As far as replacement cost, the Ford Flex is a fairly expensive vehicle, so your insurance cost could be higher than if you were insuring a less expensive car.

However, since the Ford Flex is a very safe car, the insurance rates will be lower than other SUVs that are not as safe.

In fact, according to US News and World Reports, the Ford Flex is one of the safest cars in the “Affordable Midsize SUVs” group.

Some of the safety features that the Ford Flex has that helps with insurance costs are electronic stability control, keyless entry, and standard safety enhancements such as parking sensors when the car is in reverse.

Another safety feature that is available in the Ford Flex that will ultimately save with insurance costs is known as Ford MyKey which allows certain restrictions to be set for young drivers.

Some of the restrictions that can be set are limiting how high the radio volume can be turned and how fast the car can go. MyKey also has a function to give an early low-gas warning to the driver.

Does anything else play a role in the car insurance rates for a Ford Fusion?

 

Your insurance company will also consider other factors such as:

  • Your claim history
  • Your age
  • Your gender
  • Yearly mileage

If you drive a low amount of miles, usually considered 10,000 or less per year, your insurance cost will be lower than if you drive more.

Additionally the younger you are usually the more expensive the insurance will be on a Ford Flex.

Finally, if you have many claims because of accidents, your rates will also be higher.

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