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.

Average insurance rates for a Ford Edge are $1,284 a year including full coverage. Comprehensive insurance costs approximately $254, collision costs $482, and liability coverage costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $2,780 or more. Teenage drivers receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,284

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Edge trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices using their specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Ford Edge insurance rates for additional coverage and risk scenarios.

• The best discount rate is $743
• Using higher $1,000 deductibles will save $166 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,284
• Using more expensive low deductibles for physical damage coverage will cost an additional $324 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,780 or more
• The cost that insures a teenage driver with full coverage can cost $4,856 or more

View Chart as Image

Car insurance rates for a Ford Edge can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you live has a huge impact on Ford Edge insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

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 Low Cost Ford Edge Insurance

Saving money on auto insurance requires avoiding accidents and claims, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The points below are a review of the data touched on in this article.

• Consumers who purchase increased liability limits will pay an extra $430 per year to increase from a minimum limit to the 250/500 level
• You may be able to save around $150 per year simply by shopping early and online
• Increasing deductibles can save approximately $500 each year
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $405 per month if full coverage is purchased

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