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Ford Flex insurance rates cost about $65 less than the average vehicle, with full coverage around $1,454 a year or $121 a month. Good drivers can save around $599 a year in discounts by practicing safe driving habits. Let’s take a look at Ford Flex insurance rates, safety ratings, and more.
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.
Table of Contents
The average car insurance costs for a Ford Flex are $1,454 a year or $121 a month.
The chart below details how Ford Flex insurance rates compare to other SUVs like the Ford Explorer, Nissan Armada, and Volvo XC90.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Flex | $332 | $566 | $398 | $1,454 |
| Ford Explorer | $308 | $470 | $372 | $1,308 |
| Nissan Armada | $306 | $536 | $338 | $1,316 |
| Volvo XC90 | $346 | $600 | $390 | $1,494 |
| Lexus LX 570 | $444 | $834 | $398 | $1,834 |
| Jeep Wrangler | $280 | $376 | $420 | $1,256 |
| GMC Yukon | $376 | $594 | $372 | $1,500 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
The Ford Flex trim and model you choose will affect the total price you will pay for Ford Flex insurance coverage.
Older Ford Flex models generally cost less to insure. For example, auto insurance for a 2018 Ford Flex costs $1,454, while 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 |
Driver age can have a significant effect on Ford Flex car insurance rates. For example, 30-year-old drivers pay $64 more for Ford Flex car insurance than 40-year-old drivers.
Where you live can have a large impact on Ford Flex insurance rates. For example, drivers in New York may pay $378 a year more than drivers in Chicago.
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.
Your Ford Flex auto insurance rates are influenced by the Ford Flex’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| 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 will affect your Ford Flex car 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 can lower the cost of your insurance. The safety features for the 2020 Ford Flex include:
The lower percentage means lower Ford Flex car insurance costs; higher percentages mean higher Ford Flex car 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 | |
If you are financing a Ford Flex, most lenders will require your carry higher Ford Flex coverages including comprehensive coverage, so be sure to compare Ford Flex car insurance rates from the best companies using our FREE tool below.
You have more options at your disposal to save money on your Ford Flex auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Flex car insurance rates
Who is the top car 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 | |||
Start comparing Ford Flex car insurance quotes for free by using our convenient online comparison tool.
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