Ford Edge Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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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 $1,216 a year for full coverage. Comprehensive costs on average $206 a year, collision costs $400, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,646. Teen drivers receive the highest rates at $4,756 a year or more.

Average premium for full coverage: $1,216

Rate estimates by individual coverage type:

Comprehensive $206
Collision $400
Liability $452

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Edge trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $2,646 for a high risk driver.

Liability Only $504
Full Coverage $1,216
High Risk $2,646

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $912
Small Cities $1,277
Large Cities $1,642

These examples show why it is important to compare rates 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $708
  • Drivers who choose higher $1,000 deductibles will pay around $1,080 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,216
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,486
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,646 or more
  • The cost for full coverage for a teen driver may cost $4,756 a year

View Chart as Image

Ford Edge insurance cost comparison chart
Column chart showing full coverage Ford Edge insurance rates range from $708 to $4,756

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

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or as much as $1,740 on average in Michigan, Louisiana, and New York.

Ford Edge Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,100 -$116 -9.5%
Alaska $932 -$284 -23.4%
Arizona $1,010 -$206 -16.9%
Arkansas $1,216 -$0 0.0%
California $1,386 $170 14.0%
Colorado $1,162 -$54 -4.4%
Connecticut $1,250 $34 2.8%
Delaware $1,376 $160 13.2%
Florida $1,522 $306 25.2%
Georgia $1,124 -$92 -7.6%
Hawaii $872 -$344 -28.3%
Idaho $822 -$394 -32.4%
Illinois $906 -$310 -25.5%
Indiana $916 -$300 -24.7%
Iowa $820 -$396 -32.6%
Kansas $1,156 -$60 -4.9%
Kentucky $1,660 $444 36.5%
Louisiana $1,800 $584 48.0%
Maine $750 -$466 -38.3%
Maryland $1,002 -$214 -17.6%
Massachusetts $974 -$242 -19.9%
Michigan $2,114 $898 73.8%
Minnesota $1,018 -$198 -16.3%
Mississippi $1,456 $240 19.7%
Missouri $1,078 -$138 -11.3%
Montana $1,306 $90 7.4%
Nebraska $958 -$258 -21.2%
Nevada $1,460 $244 20.1%
New Hampshire $878 -$338 -27.8%
New Jersey $1,360 $144 11.8%
New Mexico $1,078 -$138 -11.3%
New York $1,280 $64 5.3%
North Carolina $702 -$514 -42.3%
North Dakota $998 -$218 -17.9%
Ohio $840 -$376 -30.9%
Oklahoma $1,248 $32 2.6%
Oregon $1,114 -$102 -8.4%
Pennsylvania $1,162 -$54 -4.4%
Rhode Island $1,622 $406 33.4%
South Carolina $1,102 -$114 -9.4%
South Dakota $1,026 -$190 -15.6%
Tennessee $1,064 -$152 -12.5%
Texas $1,468 $252 20.7%
Utah $902 -$314 -25.8%
Vermont $834 -$382 -31.4%
Virginia $728 -$488 -40.1%
Washington $940 -$276 -22.7%
West Virginia $1,114 -$102 -8.4%
Wisconsin $842 -$374 -30.8%
Wyoming $1,084 -$132 -10.9%

View Chart as Image

Ford Edge insurance rates by U.S. city

Choosing high deductibles could save up to $410 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Edge Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Edge SE 2WD $1,156 $96
Ford Edge SE AWD $1,180 $98
Ford Edge SEL 2WD $1,180 $98
Ford Edge Limited 2WD $1,216 $101
Ford Edge SEL AWD $1,216 $101
Ford Edge Limited AWD $1,288 $107
Ford Edge Sport 2WD $1,288 $107
Ford Edge Sport AWD $1,288 $107

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.

Ford Edge Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Ford Edge $206 $400 $452 $1,216
2014 Ford Edge $190 $338 $460 $1,146
2013 Ford Edge $178 $310 $460 $1,106
2012 Ford Edge $172 $292 $464 $1,086
2011 Ford Edge $168 $272 $474 $1,072
2010 Ford Edge $156 $252 $474 $1,040
2009 Ford Edge $150 $228 $478 $1,014
2008 Ford Edge $140 $210 $474 $982
2007 Ford Edge $132 $190 $474 $954

Rates are averaged for all Ford Edge models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Ford Edge Insurance

Saving money on Ford Edge insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $400 each year
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $396 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,430 more each year for insurance

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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2020 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2019 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2019 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2018 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2018 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2017 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2017 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2016 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2016 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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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 
Insurance Coverage CategoryLoss Rate
Collision-47%
Property Damageno data
Comprehensive-7%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety
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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:

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

Rates by Driver Age

Ford Edge Insurance Rates by Driver Age
Driver Age Premium
16 $4,756
20 $2,830
30 $1,254
40 $1,216
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Ford Edge Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,360
$500 $1,216
$1,000 $1,080

Full coverage, driver age 40

Rates by Liability Limit

Ford Edge Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,216
50/100 $1,378
100/300 $1,491
250/500 $1,785
100 CSL $1,424
300 CSL $1,672
500 CSL $1,853

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Edge Insurance Rates for High Risk Drivers
Age Premium
16 $6,754
20 $4,514
30 $2,686
40 $2,646
50 $2,532
60 $2,510

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $78
Paid in Full/EFT $52
Advance Quote $59
Online Quote $85
Total Discounts $508
Rate after discounts $708

Discounts are estimated and may not be available from every company or in every state.

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