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 insurance rates for a Ford Edge are $1,284 a year for full coverage. Comprehensive insurance costs an estimated $254 each year, collision insurance costs $482, and liability coverage is $390. A policy with just liability insurance costs around $452 a year, and coverage for high-risk drivers costs $2,780 or more. 16-year-old drivers receive the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,284

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Edge models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples show why all drivers should compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

The chart below shows average Ford Edge insurance rates for other coverage scenarios.

• The best full coverage rate is $743
• Raising to $1,000 deductibles will save approximately $166 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,284
• Buying low deductibles will cost an extra $324 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,780
• The cost for full coverage for a teenage driver can cost as much as $4,856

View Chart as Image

Insurance rates for a Ford Edge can also vary considerably based on your driver profile, the trim level of your Edge, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,800 a year. View Rates by Age

Where you live also has a big influence on Ford Edge insurance rates. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $490 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 130% 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 Affordable Ford Edge Insurance

Saving money on auto insurance consists of being safe and accident-free, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a brief review of the ideas that were covered above.

• Youthful drivers are expensive to insure, costing as high as $405 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions pay an average of $1,500 more annually than a low-risk driver
• Increasing deductibles can save around $500 each year
• Drivers can save approximately $150 per year just by quoting online in advance

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