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 for full coverage insurance. Comprehensive costs around $254 a year, collision insurance costs $482, and liability is $390. A policy with only liability insurance costs around $452 a year, and a high-risk policy costs around $2,780. 16-year-old drivers pay the most at up to $4,856 a year.

Average premium for full coverage: $1,284

Premium estimates for type of coverage:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Edge trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below illustrates average Ford Edge insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $743
• Raising to $1,000 deductibles will save about $1,118 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,284
• Buying low $100 deductibles increases the price to $1,608
• At-risk drivers with multiple tickets or accidents could pay at least $2,780
• An auto insurance policy to insure a teen driver can be $4,856

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 risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $490 every year, while buying higher liability limits will increase prices. Switching 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

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Ford Edge insurance prices. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

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 the Best Ford Edge Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a brief recap of the data touched on in this article.

• Policyholders who may need higher liability limits will pay around $430 annually to raise from 30/60 bodily injury limits to a 250/500 level
• It is possible to save up to $150 per year just by quoting early and online
• Increasing policy deductibles could save as much as $500 each year
• Teens are the costliest to insure, with premiums being up to $405 per month if the policy includes full coverage

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