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 $1,146 a year for full coverage insurance. Comprehensive insurance costs approximately $190, collision insurance costs $338, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,486 or more. Teenage drivers pay the highest rates at up to $4,532 a year.

Average premium for full coverage: $1,146

Price estimates by individual coverage:

Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Edge models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

The ranges above illustrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average Ford Edge insurance rates for additional coverage and risk scenarios.

• The best discount rate is $676
• Using higher $1,000 deductibles will save $120 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,146
• Using pricier low deductibles for physical damage coverage will cost an extra $232 annually
• High-risk insureds who are prone to accidents and violations could pay around $2,486
• The price for full coverage for a 16-year-old driver for full coverage can cost $4,532 or more

View Chart as Image

Car insurance prices for a Ford Edge are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Ford Edge insurance prices. A driver around age 40 might see prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $360 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Ford Edge insurance for high-risk drivers can be from 42% to 136% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find the Cheapest Ford Edge Insurance

Getting lower rates on insurance for a Ford Edge requires being a low-risk driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a recap of the primary concepts that were touched on in this article.

• It is possible to save around $130 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk that have major violations or accidents may pay on average $1,340 more per year to insure their Edge
• Increasing physical damage deductibles can save around $350 each year
• Teen drivers pay the highest auto insurance prices, as much as $378 a 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.

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.

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