What is the Best Car Insurance for a Ford Flex?

Auto insurance rates for a Ford Flex average $1,454 a year, or around $121 a month. Teens pay the highest rates at up to $5,314 a year, while good drivers may only pay $855.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

Is shopping for Ford Flex insurance rates tripping you up? Full coverage for a Ford Flex costs around $1,454 a year or $121 each month. Our guide goes over what factors affect these full coverage rates, from driving records to crash test ratings. Read on.

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 Mercedes-Benz GLA 250, Audi Q7, and Acura RDX.

Vehicle Comprehensive Collision Liability Total
Ford Flex $332 $566 $398 $1,454
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Audi Q7 $394 $714 $398 $1,664
Acura RDX $308 $532 $316 $1,292
Honda Passport $362 $656 $316 $1,470
Jeep Compass $294 $500 $372 $1,324
Jeep Wrangler $280 $376 $420 $1,256
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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?

Even though the average annual rate for the Ford Flex is $1,454, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Ford Flex.

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  more 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 New York may pay $887 a year more than drivers in Seattle.

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 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

Not only do good Ford Flex crash test ratings mean you are better protected in a crash, but good Ford Flex crash ratings also mean cheaper 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

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

The Ford Flex’s insurance loss probability varies for each form of coverage. The lower percentage means lower Ford Flex auto insurance rates; higher percentages mean higher Ford Flex car insurance rates.

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 coverage options including comprehensive coverage, so be sure to shop around and compare Ford Flex auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Ford Flex Insurance

There are many ways that you can save on Ford Flex car insurance. Below are five actions you can take to find cheap Ford Flex auto insurance rates.

  • Choose Automatic Payments or EFT for Your Ford Flex Insurance Policy
  • Check Your Ford Flex Policy Carefully to Ensure All Information is Correct
  • Move to the Countryside
  • Ask About Retiree Discounts
  • Compare Apples to Apples When Comparing Ford Flex Insurance Quotes and Policies

Top Ford Flex Insurance Companies

Who is the top auto 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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Save money by comparing Ford Flex insurance rates with free quotes online now!

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