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.

The average insurance rates for a Ford Edge are $1,284 a year with full coverage. Comprehensive costs on average $254 each year, collision insurance costs $482, and liability insurance is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $2,780. Teen drivers cost the most to insure at up to $4,856 a year.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Edge models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $743
• Raising to $1,000 deductibles will save around $166 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,284
• Choosing low deductibles bumps up the cost to $1,608
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,780
• Policy cost that insures a teen driver may cost $4,856

View Chart as Image

Insurance rates for a Ford Edge also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% 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 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state also has a big influence on Ford Edge insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $490 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

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 the Best Cheap Ford Edge Insurance

Finding cheaper rates on Ford Edge insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Shop around at every policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

Below is a quick review of the data covered in the above illustrations.

• Drivers who require higher levels of liability will pay about $430 every year to raise from a 30/60 limit to the 250/500 level
• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Teenage drivers pay the highest rates, as much as $405 each month if full coverage is included

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