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 $1,284 a year including full coverage. Comprehensive insurance costs on average $254 a year, collision insurance costs $482, and liability insurance is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs $2,780 or more. 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:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Edge trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to get quotes based on a specific location and risk profile, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $743
• Choosing higher $1,000 deductibles can save around $1,118 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,284
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $324 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,780
• The price for full coverage for a teen driver may cost $4,856 each 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 policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Edge insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $490 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than average. 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 Low Cost Ford Edge Insurance

Getting lower rates on Ford Edge insurance takes being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a review of the material that was touched on above.

• Drivers who require higher levels of liability will pay about $430 per year to raise limits from a low limit to 250/500 limits
• Teenage drivers pay higher prices, possibly costing $405 a month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations may pay on average $1,500 more each year for auto insurance
• Increasing physical damage deductibles can save around $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