Ford Edge Limited 2WD Insurance Rates

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U.S. average insurance rates for a Ford Edge Limited 2WD are $1,300 a year for full coverage insurance. Comprehensive costs around $270 each year, collision costs $508, and liability coverage costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $2,812. Teenage drivers pay the highest rates at $4,864 a year or more.

Annual premium for full coverage: $1,300

Price estimates for individual coverage:

Comprehensive $270
Collision $508
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Edge Trim Level

For the average 40-year-old driver, Ford Edge Limited 2WD insurance prices go from the low end price of $430 for a discount liability-only rate to a high rate of $2,812 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,300
High Risk $2,812

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

These price ranges illustrate why all drivers should compare prices for a specific zip code, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Ford Edge Limited 2WD are also quite variable based on the actual cash value of your Edge, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

The state you live in has a huge impact on Ford Edge Limited 2WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $530 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and rates may be quite different.

View Chart as Image

Ford Edge Limited 2WD insurance cost comparison chart
Column chart showing Ford Edge Limited 2WD insurance prices range from $751 to $4,864 for full coverage

The chart estimates Ford Edge Limited 2WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $751. Drivers who use higher $1,000 deductibles will pay $1,124. The average price for a driver age 40 with no violations using $500 deductibles is $1,300. Using lower $100 deductibles for physical damage coverage could cost up to $1,646. Drivers with multiple violations and accidents could be charged at least $2,812. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,864.

Ford Edge Limited 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$124 -9.5%
Alaska $998 -$302 -23.2%
Arizona $1,080 -$220 -16.9%
Arkansas $1,300 -$0 0.0%
California $1,482 $182 14.0%
Colorado $1,244 -$56 -4.3%
Connecticut $1,338 $38 2.9%
Delaware $1,472 $172 13.2%
Florida $1,628 $328 25.2%
Georgia $1,202 -$98 -7.5%
Hawaii $934 -$366 -28.2%
Idaho $880 -$420 -32.3%
Illinois $968 -$332 -25.5%
Indiana $980 -$320 -24.6%
Iowa $880 -$420 -32.3%
Kansas $1,238 -$62 -4.8%
Kentucky $1,776 $476 36.6%
Louisiana $1,926 $626 48.2%
Maine $804 -$496 -38.2%
Maryland $1,074 -$226 -17.4%
Massachusetts $1,040 -$260 -20.0%
Michigan $2,260 $960 73.8%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,558 $258 19.8%
Missouri $1,154 -$146 -11.2%
Montana $1,398 $98 7.5%
Nebraska $1,026 -$274 -21.1%
Nevada $1,560 $260 20.0%
New Hampshire $938 -$362 -27.8%
New Jersey $1,454 $154 11.8%
New Mexico $1,152 -$148 -11.4%
New York $1,372 $72 5.5%
North Carolina $750 -$550 -42.3%
North Dakota $1,066 -$234 -18.0%
Ohio $896 -$404 -31.1%
Oklahoma $1,338 $38 2.9%
Oregon $1,192 -$108 -8.3%
Pennsylvania $1,240 -$60 -4.6%
Rhode Island $1,736 $436 33.5%
South Carolina $1,180 -$120 -9.2%
South Dakota $1,096 -$204 -15.7%
Tennessee $1,140 -$160 -12.3%
Texas $1,568 $268 20.6%
Utah $964 -$336 -25.8%
Vermont $892 -$408 -31.4%
Virginia $778 -$522 -40.2%
Washington $1,006 -$294 -22.6%
West Virginia $1,192 -$108 -8.3%
Wisconsin $902 -$398 -30.6%
Wyoming $1,160 -$140 -10.8%

View Chart as Image

Ford Edge Limited 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford Edge Limited 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,864
20 $3,010
30 $1,356
40 $1,300
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Ford Edge Limited 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,486
$500 $1,300
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

Ford Edge Limited 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,373
100/300 $1,464
250/500 $1,700
100 CSL $1,409
300 CSL $1,609
500 CSL $1,755

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Edge Limited 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,930
20 $4,784
30 $2,874
40 $2,812
50 $2,686
60 $2,662

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 $69
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $96
5-yr Claim Free $83
Paid in Full/EFT $60
Advance Quote $64
Online Quote $91
Total Discounts $549
Rate after discounts $751

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

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