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 insurance rates for a Ford Edge are $1,284 a year with full coverage. Comprehensive insurance costs an estimated $254 each year, collision costs $482, and liability coverage costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing $2,780 or more. 16-year-old drivers 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:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Edge models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area and risk profile, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $743
• Drivers who choose higher $1,000 deductibles will pay approximately $166 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,284
• Buying low deductibles for comprehensive and collision insurance will cost an extra $324 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,780 or more
• Policy cost for full coverage for a teenage driver can cost as much as $4,856 a year

View Chart as Image

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

More mature drivers with a good driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Your home state makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $490 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied 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 More Affordable Ford Edge Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a summary of the data that was covered in the above illustrations.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Consumers who want more liability protection will pay around $430 every year to go from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, as much as $405 each month if they have full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,500 more annually than a low-risk driver

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