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Ford Edge Insurance Rates

Ford Edge insurance

Estimated insurance prices for a Ford Edge are $1,284 every 12 months for full coverage. Comprehensive insurance costs on average $254, collision costs $482, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing $2,780 or more. Teens pay the most at $4,856 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Comprehensive $254
Collision $482
Liability $390

Rates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all Edge models.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Ford Edge go from the cheapest price of $452 for just the minimum liability insurance to the much higher price of $2,780 for a high risk driver.

Liability Only $452
Full Coverage $1,284
High Risk $2,780

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

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

Rural Areas $963
Small Cities $1,348
Large Cities $1,733

These rate differences show why everyone should get quotes based on a specific location and their own driving history, instead of using averaged prices.

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Additional Rate Analysis

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

  • The cheapest rate after discounts is $743
  • Choosing higher $1,000 deductibles can save around $166 a year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,284
  • Selecting pricier low deductibles for comp and collision coverage costs an extra $324 every year
  • Unlucky drivers with serious driving violations could pay upwards of $2,780 or more
  • An auto insurance policy to insure a teen driver for full coverage may cost $4,856 each year

View Chart as Image

Ford Edge insurance cost comparison chart
Column chart showing full coverage Ford Edge insurance prices range from $743 to $4,856

Insurance prices for a Ford Edge also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Edge.

Choosing higher comprehensive and collision insurance deductibles can save as much as $490 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Ford Edge insurance for high-risk drivers ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Ford Edge insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.

Ford Edge Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
New Hampshire$924-$360-28.0%
New Jersey$1,436$15211.8%
New Mexico$1,138-$146-11.4%
New York$1,352$685.3%
North Carolina$738-$546-42.5%
North Dakota$1,052-$232-18.1%
Rhode Island$1,714$43033.5%
South Carolina$1,164-$120-9.3%
South Dakota$1,082-$202-15.7%
West Virginia$1,178-$106-8.3%

View Chart as Image

Ford Edge insurance rates by U.S. city

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Ford Edge Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Ford Edge SE 2WD$1,212$101
Ford Edge SE AWD$1,242$104
Ford Edge SEL 2WD$1,242$104
Ford Edge Limited 2WD$1,284$107
Ford Edge SEL AWD$1,284$107
Ford Edge Limited AWD$1,370$114
Ford Edge Sport 2WD$1,370$114
Ford Edge Sport AWD$1,370$114

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Ford Edge$254$482$390$1,284
2017 Ford Edge$244$478$398$1,278
2016 Ford Edge$236$466$416$1,276
2015 Ford Edge$228$446$430$1,262
2014 Ford Edge$216$430$442$1,246
2013 Ford Edge$206$400$452$1,216
2012 Ford Edge$198$376$456$1,188
2011 Ford Edge$190$338$460$1,146
2010 Ford Edge$178$310$460$1,106
2009 Ford Edge$172$292$464$1,086
2008 Ford Edge$168$272$474$1,072
2007 Ford Edge$156$252$474$1,040

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 Shop for Cheaper Ford Edge Insurance

Finding better rates on car insurance takes being a good driver, having good credit, not filing small claims, and bundling your home and auto policies. Take the time to shop around at least every two years by requesting rates from direct carriers, and also from local independent and exclusive agents.

The following list is a summary of the information that was covered in this article.

  • Increasing policy deductibles could save as much as $500 each year
  • Drivers can save as much as $150 per year simply by quoting online well ahead of the renewal date
  • Policyholders who require an increased level of liability coverage will pay approximately $430 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
  • Drivers age 16 to 20 pay the highest prices, as much as $405 per month if they have full coverage
  • Higher risk drivers that have multiple accidents or serious violations pay an average of $1,500 more each year than a safer driver

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Rates by Driver Age

Ford Edge Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

Ford Edge Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Ford Edge Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,487
300 CSL$1,702
500 CSL$1,858

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Edge Insurance Rates for High Risk Drivers

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 $179

Potential Rate Discounts

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

5-yr Accident Free$94
5-yr Claim Free$82
Paid in Full/EFT$58
Advance Quote$63
Online Quote$90
Total Discounts$541
Rate after discounts $743

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

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