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.
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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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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