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 with full coverage. Comprehensive insurance costs an estimated $254, collision costs $482, and liability is $390. Buying just liability costs around $452 a year, with insurance 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 broken down by individual coverage:

Prices include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Edge trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $743
• Raising to $1,000 deductibles will save approximately $166 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,284
• Choosing more expensive low deductibles will cost an extra $324 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,780 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $4,856

View Chart as Image

Insurance prices for a Ford Edge are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,800 a year. View Rates by Age

The state you live in also has a big influence on Ford Edge insurance prices. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $490 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite different 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 the Right Ford Edge Insurance

Getting lower rates on car insurance consists of having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick rundown of the material that was covered in the above illustrations.

• Policyholders who want increased levels of liability coverage will pay about $430 every year to raise from a low limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $405 a month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,500 more annually to buy Ford Edge insurance
• Increasing physical damage deductibles can save around $500 each year

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