Car Insurance Quotes for the Ford Flex

Combining style and ample space, the Ford Flex truly delivers on all fronts. This crossover SUV, in production from 2009 to 2019, boasts seating for up to seven passengers and offers a variety of V6 engine options.

It’s essential to have car insurance to protect your vehicle. For a Ford Flex, the average cost for liability insurance is $73, while the full coverage average is $135. Comparatively, the national average cost of auto insurance is $52 for a basic plan and $168 for full coverage.

Freeway Insurance is committed to helping you find the most affordable insurance solutions and the most effective discounts, even if you have tickets, DUIs, or other challenging situations. Discover how we can save money and secure your coverage with a friendly agent.

You can select the type of auto insurance you want in your policy. The level of protection you choose determines the cost – whether you opt for basic state minimum liability coverage to save or go for full coverage for added peace of mind at a higher price. Here’s a breakdown of these policies and how they offer you protection.

Full Coverage

When it comes to protecting your Flex, full car coverage offers the maximum peace of mind. This policy not only safeguards you against unexpected accidents but also provides protection for a variety of situations.

For example, if your SUV is stolen, involved in a collision that you are at fault for, or sustains damages from non-driving-related incidents, this option will have you covered. With an average cost of $135 per month, investing in a complete plan ensures that you are well-protected wherever you go.

State Minimum Liability

If you’re looking to hit the road with just the essential coverage required by law, minimum liability coverage is the way to go. This cheap policy, averaging $73 per month for a crossover SUV, provides basic financial protection in case you damage someone else’s property or cause injury in an accident.

Keep in mind that this policy will not cover the costs of repairing your own vehicle. Also, before choosing this plan, it is important to note that the minimum requirements set by your state might be insufficient to cover the expenses of even a moderate collision for which you may be responsible.

When determining your coverage costs, insurers take into account several factors to assess the likelihood and cost of potential claims, such as:

Vehicle Age

As a general rule, the cost of car insurance tends to be higher for newer vehicles. However, this principle does not necessarily apply to an older SUV model that is no longer in production. Interestingly, the most affordable Flex models to insure are typically those that are 4 to 5 years old, while the priciest ones fall within the 8- to 10-year-old range.

Your location

Given that auto insurance rates are determined at the state level rather than nationally, there can be significant variations in premiums across different states. You may also pay more if you live in an area with lots of traffic congestion or high rates of vehicle crime.

To illustrate, a SUV driver in Florida might expect to pay an average of $128 per month for liability coverage, whereas the same driver in California could see a lower premium of just $48 for the same plan.

Your Gender

In many states, premiums are often higher for men than for women. This is mainly because statistical data shows that men, on average, are more likely to be in accidents and file claims. However, there are some states, like California, Hawaii, Massachusetts, Pennsylvania, North Carolina, and Montana, where regulations encourage gender-neutral pricing, meaning that this gender-based pricing doesn’t apply.

Driving under the influence is extremely dangerous and can have serious consequences. If you are caught and convicted of a DUI, you may face financial difficulties even without causing an accident.

Your carrier will be required to file an SR-22 certificate for you and that will classify you as a high-risk driver, leading to a significant increase in your coverage costs. To ensure your safety and avoid these costly repercussions, avoid driving after consuming any amount of alcohol.