Car Insurance Costs for a Ford Flex

Ford Flex car insurance is $100/mo on average. This cost is consistent for all models. You can receive discounts by making sure your insurance company is aware of all the safety features on your model.

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Reviewed byJoel Ohman
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UPDATED: Jun 6, 2020

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Here's what you need to know...
  • The Ford Flex is a crossover sport utility vehicle that replaced the Ford Freestar in 2005.
  • Make sure you ask your insurance agents to find out about any discounts for which you qualify
  • Insurance rates for the Ford Flex will vary according to factors such as driving record and age

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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