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 prices for a Ford Edge are $1,284 every 12 months including full coverage. Comprehensive costs approximately $254, collision costs $482, and liability insurance costs $390. A policy with only liability insurance costs as little as $452 a year, with a high-risk policy costing around $2,780. 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:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Edge trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on price averages.

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 lowest rate with discounts is $743
• Drivers who choose higher $1,000 deductibles will pay $166 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,608
• High risk drivers with multiple violations and an at-fault accident could pay around $2,780 or more
• An auto insurance policy to insure a teen driver with full coverage can cost $4,856 a year

View Chart as Image

Car insurance prices for a Ford Edge also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Edge.

Choosing high deductibles could save up to $490 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially 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 Shop for Cheaper Ford Edge Insurance

Finding better rates on Ford Edge insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a condensed summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with multiple at-fault accidents could be charged and average of $1,500 more per year for auto insurance
• You may be able to save around $150 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $500 each year
• Drivers who purchase higher levels of liability will pay about $430 per year to go from 30/60 bodily injury limits to a 250/500 level

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