Ford Flex Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ford Flex is less expensive to insure compared to the average SUV.

• Liability insurance for a Flex averages about $75 a month, while full coverage typically comes in at around $141 monthly.

• Ohio Mutual is the most affordable auto insurance company for a Flex with a national average of just $26 a month for liability only coverage.

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Flex Overview

Coming in with a base MSRP of $30,575 for 2019 models, the Ford Flex is a great budget-friendly option for any driver. The Flex is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when thinking about your car insurance premiums.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Ford Flex car insurance costs run about $134 per month, on average. But how does that fare against its competitors?

How Much is Car Insurance for a Ford Flex?

Looking at the table above, you'll find that Ford Flex insurance rates are cheaper than average. Flex drivers can expect to pay around $75 monthly for liability insurance, and about $141 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When compared to other Ford models, the Flex is cheaper, with prices around 13% lower than the rest of the company's vehicle lineup. Similarly, compared to other vehicles of a similar body style, Flex coverage is lower than average, with both liability and full insurance averaging less expensive premiums than other SUVs.

When compared to all vehicles, regardless of model, body style, or make, the Flex follows a similar pattern of having below average auto insurance costs.

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Who has the Cheapest Car Insurance for a Ford Flex?

If you're browsing for a car insurance policy for a Ford Flex, you're may be most interested in which carrier offers the cheapest premiums. Even though rates can fluctuate pretty significantly depending on your driver profile, StateAuto provides the cheapest average rates for liability only coverage, with rates as cheap as just $19 a month. The runner up for lowest rates is Ohio Mutual, with insurance polices starting as cheap as $26 monthly.

Rounding out the list are FirstChicago, Mile Auto, and Aspire. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Ford Flex.

Insurance companies take a multitude of different variables into consideration when calculating how much to charge you. By checking quotes from an array of car insurance carriers at once, you can rest easy knowing that you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Ford Flex?

As we mentioned above, there are lots of factors that auto insurance companies take a look at to calculate how much they charge you -- and each company weighs certain variables more than others, so there's not just one carrier that's the cheapest for everyone.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Ford Flex has been around for a while, so vehicle age will likely play a big role in what you end up paying for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

As you can see in the information above, the Ford Flex does not follow this trend, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive Flexs are 8 to 10 years old.

Your Age

Age is another factor that plays a significant role in how much you pay for car insurance. As you can see in the table above, young drivers have much higher prices compared to older drivers. In this case, drivers who are 18 to 24 pay $45 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for Flex drivers being 55-64.

Your Gender

You may not know, but men generally pay more for auto insurance than women do. This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim. Surprisingly, when it comes to Flex drivers specifically, women pay about 10% more than men per month for insurance.

Where You Live

You might think it's common sense that variables like how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live is just as important? Since auto insurance is regulated on the state level rather than nationally, premiums vary quite a bit from state to state.

For example, the average Ford Flex driver in New York pays around $123 a month for liability coverage, while the same owner from California will pay less than half of that price, on average. The table above shows average costs for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Ford Flex Car Insurance Discounts

No matter how old you are, where you live, or what vehicle you drive, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for drivers who agree to pay their entire policy cost up front, rather than in monthly installments

But these aren't the only discounts insurance companies offer to their customers Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

While you can't control every variable car insurance carriers use to calculate costs (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use in your favor when it comes to saving cash:

Your Driving Record

You've no doubt observed ads from auto insurance companies posting big discounts for responsible drivers. It shouldn't come as a surprise that your insurance rates will increase if you get speeding tickets or get into an accident. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll see that accidents will usually cost Flex drivers less than tickets, but both will result in higher than average rates. Ford Flex drivers with a single accident on their record pay about $102 each month (up $27 from the $75/mo. overall average), while drivers with one ticket will pay an average of $115 monthly. Those who have more than one of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive each year impacts your auto insurance prices. Those who are on the roads less have fewer opportunities to get into an accident, so they'll usually end up paying less for car insurance. In the table above, you can see that Ford Flex owners who drive fewer than 2,500 miles a year pay an average of $91 per month for insurance, while those who put 10,000 miles or more on their cars pay $82.

But if you don't use your Ford Flex that often, it may be worth learning about usage-based or pay-per-mile car insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Ford Flexs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Ford Flex is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth taking into consideration.

Take a look at the table below to see how the Ford Flex compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Ford Flex is a great value when it comes to price. While the national average vehicle MSRP is $46,119, the Flex has an MSRP of just $30,575.

In the same fashion, auto insurance premiums run below average when compared to the rest of the vehicle market. Liability insurance for a Ford Flex is about $27 a month less expensive than average, while full coverage is over $20 less monthly.

When it comes to usage, Ford Flex owners drive more miles annually than the national average, with 14,833 miles every year compared to 11,681 for all vehicles.

Ford Flex Car Insurance Costs by Model Year

We've walked through many of the things that can affect how much the average driver pays for insurance. If you're in thinking about buying a new car, truck, or SUV and the Flex is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

That's why we've crunched the numbers and broken down Ford Flex auto insurance costs by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, like cheapest insurance carrier, base price, and even available trims for each year the Flex has been around.

Choose Your Model

2019 Ford Flex Car Insurance 2018 Ford Flex Car Insurance 2017 Ford Flex Car Insurance 2016 Ford Flex Car Insurance 2015 Ford Flex Car Insurance 2014 Ford Flex Car Insurance 2013 Ford Flex Car Insurance 2012 Ford Flex Car Insurance 2011 Ford Flex Car Insurance 2010 Ford Flex Car Insurance 2009 Ford Flex Car Insurance

2019 Ford Flex Car Insurance

2019 Ford Flex drivers can expect to pay an average of $54 per month for liability or $140 for full coverage.

Mile Auto has premiums sometimes as cheap as $18 monthly for the 2019 Ford Flex.

While these are good estimates of what the average driver might pay to insure a 2019 Ford Flex, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2018 Ford Flex Car Insurance

The average cost to insure a 2018 Flex with liability only coverage is $57 a month, while full coverage runs around $170 per month.

If you're looking for the most affordable 2018 Ford Flex insurance policy, Safeco offered the lowest policy we found, with rates as low as just $20 monthly.

Want to know exactly what your insurance rate will be? Enter your ZIP code below to get several personalized quotes for free.

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2017 Ford Flex Car Insurance

It costs about $89 per month for liability or $146 for a full coverage policy for the 2017 Ford Flex.

Mercury offered the cheapest policy we found, with rates as low as $25 a month.

If you want to know exactly how much you can expect to pay for your Flex, get free quotes in minutes by just entering your ZIP code below.

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2016 Ford Flex Car Insurance

On average, drivers who own a 2016 Flex can expect to pay $43 to $136 monthly for liability only and full coverage car insurance, respectively.

With rates as little as just $24 per month, MetroMile offered the lowest policy we found for the 2016 Ford Flex.

Interested in just how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2015 Ford Flex Car Insurance

You can expect full coverage for a 2015 Ford Flex to run around $145 a month, while liability only coverage will average about $65 monthly.

Looking for the most affordable policy? Gainsco offered liability only coverage for sometimes as low as $28 per month.

If you want to know exactly how much you can expect to pay for your Flex, just enter your ZIP code below and get several free quotes in minutes.

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2014 Ford Flex Car Insurance

The average cost to insure a 2014 Flex with liability only coverage is $70 a month, while full coverage runs around $140 monthly.

With premiums as little as $19 per month, StateAuto offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2013 Ford Flex Car Insurance

2013 Ford Flex drivers can expect to pay an average of $57 a month for liability or $144 for full coverage.

We found Safeco offered the lowest policy, with rates sometimes as little as $18 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2012 Ford Flex Car Insurance

You can expect full coverage for a 2012 Flex to run about $140 a month, while liability only coverage will average around $90 monthly.

With rates as low as $25 per month, MetLife offered the most affordable policy we found.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Ford Flex Car Insurance

On average, drivers who own a 2011 Ford Flex can expect to pay $77 to $135 a month for liability only and full coverage auto insurance, respectively.

We found Clearcover offered the lowest policy, with rates as little as $21 monthly.

Want to know just how much you'll pay? Enter your ZIP code below to get a variety of customized quotes for free.

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2010 Ford Flex Car Insurance

It costs about $76 a month for liability or $142 for a full coverage policy for the 2010 Flex.

StateAuto offered the cheapest policy we found, with rates as cheap as $20 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 2010 Ford Flex, you can get free quotes in minutes by just entering your ZIP code below.

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2009 Ford Flex Car Insurance

2009 Ford Flex drivers can expect to pay an average of $77 monthly for liability or $138 for full coverage.

Looking for the most affordable policy? Sun Coast offered liability only coverage for as cheap as just $23 per month.

These average costs will give you a general idea of what you might pay, but there are a range of variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, et customized quotes by entering your ZIP below.

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Ford Flex Insurance FAQs

Is a Ford Flex expensive to insure?

It costs less to insure a Ford Flex when compared to the average vehicle. Liability insurance runs an average of $75 a month, while full coverage will cost you around $141.

How can I get the best price on car insurance for my Ford Flex?

The only way to make sure you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from a whole bunch of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a lot of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Flex affect my insurance rates?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. Although there are many factors insurance carriers think about when they calculate your premiums, the color of your Flex is not factored into that decision.

Do I need to have insurance before I buy a Ford Flex?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships may offer you an insurance policy as part of the car-buying process, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Ford Flex?

You will find a wide array of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Flex has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to reach out to your insurance carrier and ask about their list of discounts, since they shift quite a bit from company to company.