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.

U.S. average auto insurance rates for a Ford Edge are $1,284 annually with full coverage. Comprehensive costs approximately $254 each year, collision insurance costs $482, and liability costs around $390. Buying just liability costs as low as $452 a year, and insurance for high-risk drivers costs around $2,780. Teen drivers pay the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Edge models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below details average Ford Edge insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $743
• Using higher $1,000 deductibles will save $166 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,284
• Choosing low deductibles for physical damage coverage will cost $1,608
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,780
• The price with full coverage for a 16-year-old driver can cost $4,856 or more

View Chart as Image

Insurance prices for a Ford Edge are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $490 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Edge insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy Cheaper Ford Edge Insurance

Getting lower rates on insurance for a Ford Edge requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the material that was raised in the charts and tables above.

• Insureds who purchase higher liability limits will pay about $430 every year to increase from a low limit to higher 250/500 limits
• Teenagers are the costliest to insure, costing up to $405 a month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,500 more per year for car insurance
• Increasing physical damage deductibles could save up to $500 each year

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