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.

U.S. average insurance rates for a Ford Edge are $1,284 a year including full coverage. Comprehensive insurance costs approximately $254, collision costs $482, and liability insurance costs $390. A policy with just liability insurance costs as little as $452 a year, with coverage for high-risk drivers costing $2,780 or more. Teen drivers pay the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Edge models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change auto insurance prices.

The ranges above highlight why everyone should compare rates using their specific location, rather than relying on price averages.

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

Additional Charts and Tables

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 estimated price for the average middle-age driver who chooses $500 deductibles is $1,284
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $324 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $2,780 or more
• The price that insures a teen driver for full coverage can cost $4,856 a year

View Chart as Image

Insurance prices for a Ford Edge are also quite variable based on the model of your Edge, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Ford Edge insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in 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

Choosing high deductibles could save up to $490 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, so the prices may be quite 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 Find the Best Ford Edge Insurance

Getting lower rates on Ford Edge insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and maximizing policy discounts. Shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief recap of the information illustrated above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger are expensive to insure, possibly costing $405 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $500 each year
• High-risk drivers who tend to receive serious violations will likely pay on average $1,500 more per year to buy Ford Edge insurance
• Drivers who purchase increased levels of liability coverage will pay about $430 per year to go from a low limit to the 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