2020 Ford Edge Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2020 Ford Edge are $1,284 a year with full coverage. Comprehensive costs around $254, collision costs $482, and liability costs around $390. Buying a liability-only policy costs as low as $452 a year, with high-risk insurance costing around $2,780. Teenage drivers receive the highest rates at $4,856 a year or more.
Annual premium for full coverage: $1,284
Rate estimates for 2020 Ford Edge Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 Ford Edge models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $452 for a discount liability-only rate to a much higher rate of $2,780 for a driver who has had serious violations or accidents.
These differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2020 Ford Edge Insurance
Want the cheapest car insurance rates for your Ford Edge? Trying to find cheap car insurance can seem to be difficult for people who are new to buying insurance online. People have so many different companies and agents to choose from that it can easily be a big hassle to find the best price.
It’s smart to check car insurance prices occasionally because prices tend to go up over time. Just because you had the lowest price on Edge insurance six months ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate the fastest way to lower your rates without sacrificing coverage.
First Step: Get free car insurance quotes
Shopping for lower car insurance rates is a ton of work if you don’t understand the most efficient way to do it. You could spend the better part of a day talking to agents in your area, or you can stay home and use online quotes to maximize your effort.
Many insurance companies are enrolled in a marketplace that enables customers to complete one form, and each participating company then gives them pricing for coverage. This eliminates the need for repetitive form submissions for each company. To get comparison pricing now enter your zip code here.
The one disadvantage to comparing rates this way is you don’t know exactly which providers you want to price. So if you prefer to choose specific insurance companies for rate comparison, we have a page of low cost car insurance companies in your area. Click to enter zip code.
The approach you take is up to you, just be certain you are entering exactly the same quote data with every price quote. If each company quotes different liability limits you can’t possibly get a fair rate comparison. Just a small difference in insurance coverages can make a big difference in price. Just remember that making a lot of price comparisons helps locate the best offered rates.
Save money by taking advantage of discounts
Some insurers don’t list the complete list of policy discounts very clearly, so the next list breaks down some of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online. If they aren’t giving you every credit you qualify for, you are just wasting money.
- Paperwork-free – A handful of insurance companies provide a small discount for signing up over the internet.
- Defensive Driver Discounts – Passing a defensive driving course is a good idea and can lower rates if you qualify.
- Multiple Cars – Buying coverage for more than one vehicle on a single policy can reduce rates for all insured vehicles.
- Senior Citizen Discount – Drivers that qualify as senior citizens could receive a discount up to 10% on Edge insurance.
- Discount for Good Grades – Getting good grades may save as much as 25% on a car insurance quote. Most companies allow this discount up to age 25.
- Driver Education Discount – Have your child take driver’s ed class if it’s offered in school.
- Homeowners Pay Less – Simply owning a home can save a few bucks because maintaining a house demonstrates responsibility.
One thing to note about discounts is that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you could get a free insurance coverage policy, companies wouldn’t make money that way.
A list of companies and the discounts they provide are outlined below.
- State Farm includes discounts for passive restraint, Drive Safe & Save, anti-theft, good student, good driver, Steer Clear safe driver discount, and accident-free.
- Esurance offers discounts for good driver, emergency road assistance, online quote, online shopper, homeowner, paid-in-full, and good student.
- Progressive discounts include multi-vehicle, online signing, good student, online quote discount, continuous coverage, homeowner, and multi-policy.
- Liberty Mutual may have discounts that include newly married, newly retired, hybrid vehicle, preferred payment discount, new move discount, and good student.
- Auto-Owners Insurance may offer discounts for multiple vehicles, air bags, safe vehicle, company car, good student, and paid in full.
- GEICO may include discounts for anti-theft, federal employee, membership and employees, emergency military deployment, defensive driver, five-year accident-free, and multi-vehicle.
When getting free car insurance quotes, it’s a good idea to each company which discounts can lower your rates. Savings may not apply to policies in your area.
How much car insurance do I need?
When choosing coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.
Here are some questions about coverages that might point out if you might need professional guidance.
- Is my dog or cat covered if injured in an accident?
- Am I covered by my spouse’s policy after a separation?
- Are rock chip repairs covered?
- Does my liability insurance cover pulling a trailer or camper?
- Does coverage extend to a rental car in a foreign country?
- Should I drop comprehensive coverage on older vehicles?
- Does coverage extend to Mexico or Canada?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.
The coverage is in the details
Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Coverage for liability – This provides protection from damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things such as pain and suffering, emergency aid and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.
Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from flooding, hail damage, hitting a bird and theft. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage – Collision insurance covers damage to your Edge from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like hitting a parking meter, damaging your car on a curb, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.
Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for EMT expenses, pain medications and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Save your hard earned cash
In this article, we presented some good ideas how to get a better price on 2020 Ford Edge insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost car insurance. You may be surprised to find that the best price on insurance coverage is with an unexpected company.
A few companies do not offer online rate quotes and these small insurance companies only sell through independent insurance agencies. Budget-friendly insurance coverage is attainable both online and from local insurance agents, so compare prices from both in order to have the best chance of saving money.
Consumers switch companies for any number of reasons including being labeled a high risk driver, denial of a claim, lack of trust in their agent or even high rates after DUI convictions. Whatever your reason, finding a great new company can be easier than you think.
More information can be read on the following sites:
Rates by U.S. City
|New York City, NY||$2,028|
|Los Angeles, CA||$2,193|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$94|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.