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 insurance rates for a Ford Edge are $1,278 a year including full coverage. Comprehensive costs an estimated $244 each year, collision costs $478, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing around $2,774. Teen drivers pay the highest rates at $4,868 a year or more.

Average premium for full coverage: $1,278

Price estimates broken down by individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Edge models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above highlight why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based 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 other coverage scenarios.

• The lowest rate with discounts is $738
• Drivers who choose higher $1,000 deductibles will pay approximately $164 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,278
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,596
• Drivers with multiple violations and an at-fault accident could pay up to $2,774 or more
• The price for full coverage for a 16-year-old driver can cost as much as $4,868 a year

View Chart as Image

Insurance prices for a Ford Edge are also quite variable based on your driving record, the model of your Edge, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

The state you live in 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 Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $490 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 131% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so the prices may be quite different from one company to the next.

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

Getting lower rates on insurance for a Ford Edge not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a brief review of the information presented in the illustrations above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Teen drivers are charged the highest prices, possibly costing $406 a month for full coverage
• Increasing physical damage deductibles can save around $475 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,500 more annually to insure their Edge
• Insureds who want more liability coverage will pay about $440 per year to go from a low limit to 250/500 limits

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