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 $1,188 a year for full coverage. Comprehensive costs on average $198 each year, collision insurance costs $376, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $2,586. Teens pay the highest rates at up to $4,674 a year.

Average premium for full coverage: $1,188

Price estimates by individual coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Edge models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

More Rate Details

The chart below shows average Ford Edge insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $695
• Drivers who choose higher $1,000 deductibles will pay around $130 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,188
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,444
• High risk drivers with serious driving violations could pay upwards of $2,586
• The price for full coverage for a teen driver may cost $4,674 a year

View Chart as Image

Car insurance prices for a Ford Edge are also quite variable based on your driving record, the trim level of your Edge, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $390 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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 More Affordable Ford Edge Insurance

Getting lower rates on Ford Edge insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following is a summary of the material that was touched on in the above illustrations.

• Drivers who require higher liability limits will pay approximately $500 each year to go from a low limit to 250/500 limits
• Teens are expensive to insure, with premiums as much as $390 a month if full coverage is included
• High-risk drivers who have multiple accidents or major violations will pay on average $1,400 more each year for Edge insurance
• Increasing physical damage deductibles can save around $375 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.

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.

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