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.

Average insurance rates for a Ford Edge are $1,278 a year for full coverage. Comprehensive costs around $244 a year, collision insurance costs $478, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs around $2,774. Teen drivers receive the highest rates at up to $4,868 a year.

Average premium for full coverage: $1,278

Rate estimates for individual coverage type:

These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Edge trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $738
• Using higher $1,000 deductibles will save about $1,114 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,278
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,596
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,774
• The cost for full coverage for a 16-year-old driver can be $4,868 or more

View Chart as Image

Insurance rates for a Ford Edge can also vary considerably based on your driver profile, the trim level of your Edge, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you live has a huge impact on Ford Edge insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $490 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than average. View High Risk Driver Rates

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 Cheap Ford Edge Insurance

Saving money on insurance for a Ford Edge requires having a good driving record, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The next list is a brief summary of the ideas that were covered above.

• Drivers age 20 and younger are charged the highest rates, costing as high as $406 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,500 more every year to buy Ford Edge insurance
• Increasing deductibles can save around $475 each year
• Drivers can save up to $150 per year just by quoting early and online

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