Ford Edge Insurance Rates

Are you looking for Ford Edge insurance rates? Let’s get right to it.

Ford Edge car insurance rates amount to $1,296 a year, or $108 a month on average for full coverage. 

There are a number of factors that ultimately determine car insurance costs for a Ford Edge, such as the model year of the SUV. For example, 2013 Ford Edge insurance costs are more affordable than the 2019 Ford Edge insurance costs since it’s at least four years older. 

If you want to find affordable Ford Edge car insurance with a reputable provider, all you have to do is read through this comprehensive guide.

When you’re ready, use our FREE online quote tool to compare Ford Edge auto insurance quotes and policies from the industry’s top companies.

Average auto insurance rates for a Ford Edge are $1,146 annually including full coverage. Comprehensive costs around $190 a year, collision costs $338, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,486. Teen drivers receive the highest rates at $4,532 a year or more.

Average premium for full coverage: $1,146

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Edge trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Ford Edge insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $676
• Drivers who choose higher $1,000 deductibles will pay about $1,026 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,146
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,378
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,486 or more
• The cost with full coverage for a teen driver can be $4,532 a year

View Chart as Image

Insurance rates for a Ford Edge can also vary considerably based on the trim level of your Edge, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $360 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,640 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheap Ford Edge Insurance

Saving money on Ford Edge insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a brief summary of the concepts that were covered in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,340 more every year to insure a Ford Edge
• Drivers under the age of 20 pay higher rates, as much as $378 per month including comprehensive and collision insurance
• You may be able to save up to $130 per year simply by quoting early and online
• Increasing deductibles could save up to $350 each year
• You may be able to save up to $130 per year simply by quoting early and online

As you can see from the information we’ve gone over to this point, it’s clear that there are differences in costs when it comes to an insurance policy from different Ford Edge car insurance companies. The best way to find out what you might pay is by taking advantage of our free online tool below.

What are the safety ratings of the Ford Edge?

It’s important to consider the safety ratings of the Ford Edge to get a proper understanding of where you might qualify for policy discounts. 

Take a look at the Insurance Institute of Highway Safety’s (IIHS) safety ratings of the Ford Edge below so you can see where you might be eligible for policy discounts.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a frame of reference, the Insurance Institute for Highway Safety classifies “Good” as the highest rating possible. Since the Ford Edge achieved that mark in every part of the SUV that was tested, this is excellent news if you like low insurance rates. In fact, these safety ratings make the Ford Edge one of the cheapest cars to insure in it’s class.

Ford Edge Crash Test Ratings

Good crash test ratings mean cheaper rates.

These crash test ratings are good, as they are all 4 or 5-star ratings.

Ford Edge Insurance Loss Probability

If the Ford Edge’s insurance loss probability is high, it means higher insurance rates.

While there isn’t insurance loss probability data on all of the coverages, the Ford Edge should have low collision coverage insurance rates.

Ford Edge Compared Against Other Vehicles in the Same Class

Officially, the Ford Edge is classified as a midsize four-door sedan by the Insurance Institute for Highway Safety, which provides a detailed list of insurance loss percentages. Other midsize SUVs that are comparable to the Ford Edge include the following:

• Chevrolet Traverse
• Honda Pilot
• Jeep Grand Cherokee

It’s important to know the Ford Edge’s competition because you can end up saving more on your policy if the Ford Edge reflects a better loss ratio than other midsize SUVs. 

As it turns out, the Ford Edge has a bodily injury liability loss percentage of -17 percent and a property damage liability loss percentage of -16 percent. Both of these figures are considered above average for this vehicle class.

Now that we have gone into extensive detail about how Ford Edge insurance rates are calculated, is there anything we might have missed?

Maybe you want to know “how much does a ford edge cost?” MSRP for new model is between $31,100-$43,265. If you are looking for a used model and want a 2009 Ford Edge price range or the cost of a Ford Edge from 2010, do some more online research to see what is available near you.

Before you buy Ford Edge auto insurance, always compare rates from multiple insurers. Whether you are looking for 2017 Ford Edge car insurance rates or Ford Edge car insurance for an 18-year-old driver, it pays to shop around.

If not, enter your five-digit ZIP code into our free online tool to start comparing Ford Edge quotes from multiple companies.

References:

1. https://www.iihs.org/ratings/vehicle/hyundai/elantra-4-door-sedan/2020
2. https://www.nhtsa.gov/ratings