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.

The average auto insurance rates for a Ford Edge are $1,284 annually for full coverage insurance. Comprehensive insurance costs an estimated $254 each year, collision costs $482, and liability costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing $2,780 or more. Teens cost the most to insure at $4,856 a year or more.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Edge models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates estimated Ford Edge insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $743
• Drivers who choose higher $1,000 deductibles will pay approximately $166 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,284
• Selecting low deductibles for comprehensive and collision insurance costs an additional $324 annually
• Drivers with serious driving violations could pay up to $2,780 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,856 a year

View Chart as Image

Insurance rates for a Ford Edge also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $490 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Edge insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every company calculates rates differently, so the rates will be varied between companies.

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 Buy Cheap Ford Edge Insurance

Finding cheaper rates on insurance for a Ford Edge not only requires being safe and accident-free, but also having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to shop around at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the primary concepts that were illustrated above.

• It is possible to save approximately $150 per year simply by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,500 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Youthful drivers are charged the highest rates, possibly costing $405 each month including comprehensive and collision insurance

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