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.

The average insurance rates for a Ford Edge are $1,278 a year including full coverage. Comprehensive insurance costs around $244, collision insurance costs $478, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $2,774 or more. 16-year-old drivers cost the most to insure at up to $4,868 a year.

Average premium for full coverage: $1,278

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Edge models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how where you live affects auto insurance rates.

The examples above highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $738
• Drivers who choose higher $1,000 deductibles will pay about $164 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,278
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $318 annually
• Drivers with multiple tickets or accidents could pay at least $2,774
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $4,868 a year

View Chart as Image

Insurance rates for a Ford Edge also range considerably based on your risk profile, the model of your Edge, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state makes a big difference in Ford Edge insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $490 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 additional every year, depending on your age. Ford Edge insurance for high-risk drivers can cost from 43% to 131% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2024 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 Find Cheaper Ford Edge Insurance

Finding cheaper rates on insurance for a Ford Edge not only requires avoiding accidents and violations, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the data touched on in the above illustrations.

• Insureds who may need higher liability limits will pay around $440 per year to go from a 30/60 limit to 250/500 limits
• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Teenagers are charged the highest rates, with premiums being up to $406 each month including comprehensive and collision insurance

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.

Ford Edge Crash Test Ratings

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.

Ford Edge Insurance Loss Probability 

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