Ford Edge Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 14, 2024

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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 $1,296 a year for full coverage. Comprehensive insurance costs on average $266 each year, collision costs $500, and liability insurance is estimated at $372. A liability-only policy costs approximately $438 a year, with high-risk insurance costing $2,808 or more. Teen drivers receive the highest rates at $4,868 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Comprehensive $266
Collision $500
Liability $372

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Edge models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the low end price of $438 for just liability coverage to a high rate of $2,808 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,296
High Risk $2,808

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

These examples show why all drivers should get quotes based on a specific location, 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $750
  • Choosing higher $1,000 deductibles can save around $174 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,296
  • Choosing low deductibles for comp and collision coverage will cost an additional $340 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,808 or more
  • The cost that insures a teen driver may cost $4,868 each year

View Chart as Image

Ford Edge insurance cost comparison chart
Column chart showing full coverage Ford Edge insurance prices range from $750 to $4,868

Insurance rates for a Ford Edge can also vary considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Edge insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

Ford Edge Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$122 -9.4%
Alaska $996 -$300 -23.1%
Arizona $1,078 -$218 -16.8%
Arkansas $1,296 -$0 0.0%
California $1,478 $182 14.0%
Colorado $1,240 -$56 -4.3%
Connecticut $1,334 $38 2.9%
Delaware $1,470 $174 13.4%
Florida $1,626 $330 25.5%
Georgia $1,198 -$98 -7.6%
Hawaii $934 -$362 -27.9%
Idaho $878 -$418 -32.3%
Illinois $968 -$328 -25.3%
Indiana $978 -$318 -24.5%
Iowa $876 -$420 -32.4%
Kansas $1,236 -$60 -4.6%
Kentucky $1,770 $474 36.6%
Louisiana $1,924 $628 48.5%
Maine $800 -$496 -38.3%
Maryland $1,072 -$224 -17.3%
Massachusetts $1,040 -$256 -19.8%
Michigan $2,256 $960 74.1%
Minnesota $1,086 -$210 -16.2%
Mississippi $1,556 $260 20.1%
Missouri $1,150 -$146 -11.3%
Montana $1,394 $98 7.6%
Nebraska $1,024 -$272 -21.0%
Nevada $1,556 $260 20.1%
New Hampshire $934 -$362 -27.9%
New Jersey $1,452 $156 12.0%
New Mexico $1,150 -$146 -11.3%
New York $1,366 $70 5.4%
North Carolina $748 -$548 -42.3%
North Dakota $1,062 -$234 -18.1%
Ohio $896 -$400 -30.9%
Oklahoma $1,334 $38 2.9%
Oregon $1,188 -$108 -8.3%
Pennsylvania $1,240 -$56 -4.3%
Rhode Island $1,732 $436 33.6%
South Carolina $1,178 -$118 -9.1%
South Dakota $1,096 -$200 -15.4%
Tennessee $1,138 -$158 -12.2%
Texas $1,564 $268 20.7%
Utah $962 -$334 -25.8%
Vermont $888 -$408 -31.5%
Virginia $778 -$518 -40.0%
Washington $1,004 -$292 -22.5%
West Virginia $1,188 -$108 -8.3%
Wisconsin $898 -$398 -30.7%
Wyoming $1,158 -$138 -10.6%

View Chart as Image

Ford Edge insurance rates by U.S. city

Choosing high deductibles can save as much as $520 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates can be significantly different.

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 $1,222 $102
Ford Edge SE AWD $1,254 $105
Ford Edge SEL 2WD $1,254 $105
Ford Edge Limited 2WD $1,296 $108
Ford Edge SEL AWD $1,296 $108
Ford Edge Limited AWD $1,386 $116
Ford Edge Sport 2WD $1,386 $116
Ford Edge Sport AWD $1,386 $116

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.

Ford Edge Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford Edge $266 $500 $372 $1,296
2023 Ford Edge $254 $482 $390 $1,284
2022 Ford Edge $244 $478 $398 $1,278
2021 Ford Edge $236 $466 $416 $1,276
2020 Ford Edge $228 $446 $430 $1,262
2019 Ford Edge $216 $430 $442 $1,246
2018 Ford Edge $206 $400 $452 $1,216
2017 Ford Edge $198 $376 $456 $1,188
2016 Ford Edge $190 $338 $460 $1,146
2015 Ford Edge $178 $310 $460 $1,106
2014 Ford Edge $172 $292 $464 $1,086
2013 Ford Edge $168 $272 $474 $1,072
2012 Ford Edge $156 $252 $474 $1,040
2011 Ford Edge $150 $228 $478 $1,014
2010 Ford Edge $140 $210 $474 $982
2009 Ford Edge $132 $190 $474 $954
2008 Ford Edge $128 $170 $468 $924
2007 Ford Edge $126 $166 $460 $910

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 Affordable Ford Edge Insurance

Saving money on Ford Edge insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and bundling your home and auto policies. Shop around at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the car insurance concepts covered in the charts and tables above.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,510 more each year than a driver with a clean driving record
  • Drivers can save as much as $160 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $525 each year
  • Drivers who require additional liability coverage will pay about $410 each year to raise limits from a minimum limit to the 250/500 level

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

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

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 $4,868
20 $3,008
30 $1,354
40 $1,296
50 $1,186
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Ford Edge Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,636
$250 $1,478
$500 $1,296
$1,000 $1,122

Full coverage, driver age 40

Rates by Liability Limit

Ford Edge Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,460
100/300 $1,553
250/500 $1,795
100 CSL $1,498
300 CSL $1,702
500 CSL $1,851

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Edge Insurance Rates for High Risk Drivers
Age Premium
16 $6,936
20 $4,776
30 $2,868
40 $2,808
50 $2,680
60 $2,656

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $59
Advance Quote $64
Online Quote $91
Total Discounts $546
Rate after discounts $750

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

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