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.

Estimated insurance rates for a Ford Edge are $1,284 a year for full coverage. Comprehensive insurance costs on average $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. Teen drivers pay the most at $4,856 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Edge trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $743
• Using higher $1,000 deductibles will save around $166 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,284
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $324 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,780 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage may cost $4,856 or more

View Chart as Image

Insurance prices for a Ford Edge also have a wide range based on your driving characteristics, the trim level of your Edge, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Edge insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $490 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

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 Ford Edge Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining good credit, not filing small claims, and bundling your home and auto policies. Take the time to compare rates at every other renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a brief recap of the concepts that were covered in the above illustrations.

• Drivers who tend to receive serious violations will pay on average $1,500 more each year for car insurance
• Teenagers pay the highest prices, as much as $405 per month for full coverage
• Drivers can save as much as $150 per year simply by shopping early and online
• Increasing policy deductibles can save around $500 each year
• Drivers can save as much as $150 per year simply by shopping early and online

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