Ford Edge Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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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 auto insurance rates for a Ford Edge are $1,146 annually for full coverage. Comprehensive costs an estimated $190 each year, collision insurance costs $338, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,486. Teenage drivers receive the highest rates at up to $4,532 a year.

Average premium for full coverage: $1,146

Rate estimates broken down by individual coverage type:

Comprehensive $190
Collision $338
Liability $460

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Edge models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as cheap as $510 for a discount liability-only rate to a high rate of $2,486 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,146
High Risk $2,486

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $860
Small Cities $1,203
Large Cities $1,547

These examples show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below shows average Ford Edge insurance rates for other coverage scenarios.

  • The best discount rate is $676
  • Raising to $1,000 deductibles will save approximately $120 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,146
  • Using low deductibles will cost $1,378
  • Drivers who are prone to accidents and violations could pay up to $2,486
  • The cost with full coverage for a 16-year-old driver can cost as much as $4,532

View Chart as Image

Ford Edge insurance cost comparison chart
Column chart showing Ford Edge insurance rates range from $676 to $4,532 for full coverage

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $360 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Edge insurance prices. A middle-age driver might find rates as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

Ford Edge Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,038 -$108 -9.4%
Alaska $878 -$268 -23.4%
Arizona $952 -$194 -16.9%
Arkansas $1,146 -$0 0.0%
California $1,304 $158 13.8%
Colorado $1,096 -$50 -4.4%
Connecticut $1,178 $32 2.8%
Delaware $1,298 $152 13.3%
Florida $1,434 $288 25.1%
Georgia $1,058 -$88 -7.7%
Hawaii $822 -$324 -28.3%
Idaho $774 -$372 -32.5%
Illinois $854 -$292 -25.5%
Indiana $862 -$284 -24.8%
Iowa $772 -$374 -32.6%
Kansas $1,088 -$58 -5.1%
Kentucky $1,564 $418 36.5%
Louisiana $1,696 $550 48.0%
Maine $708 -$438 -38.2%
Maryland $946 -$200 -17.5%
Massachusetts $918 -$228 -19.9%
Michigan $1,990 $844 73.6%
Minnesota $960 -$186 -16.2%
Mississippi $1,372 $226 19.7%
Missouri $1,016 -$130 -11.3%
Montana $1,230 $84 7.3%
Nebraska $904 -$242 -21.1%
Nevada $1,374 $228 19.9%
New Hampshire $828 -$318 -27.7%
New Jersey $1,282 $136 11.9%
New Mexico $1,014 -$132 -11.5%
New York $1,208 $62 5.4%
North Carolina $660 -$486 -42.4%
North Dakota $938 -$208 -18.2%
Ohio $792 -$354 -30.9%
Oklahoma $1,178 $32 2.8%
Oregon $1,050 -$96 -8.4%
Pennsylvania $1,094 -$52 -4.5%
Rhode Island $1,530 $384 33.5%
South Carolina $1,038 -$108 -9.4%
South Dakota $966 -$180 -15.7%
Tennessee $1,004 -$142 -12.4%
Texas $1,382 $236 20.6%
Utah $848 -$298 -26.0%
Vermont $784 -$362 -31.6%
Virginia $686 -$460 -40.1%
Washington $886 -$260 -22.7%
West Virginia $1,050 -$96 -8.4%
Wisconsin $794 -$352 -30.7%
Wyoming $1,022 -$124 -10.8%

View Chart as Image

Ford Edge insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Ford Edge Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Edge SE 2WD $1,094 $91
Ford Edge SE AWD $1,114 $93
Ford Edge SEL 2WD $1,114 $93
Ford Edge Limited 2WD $1,146 $96
Ford Edge SEL AWD $1,146 $96
Ford Edge Limited AWD $1,208 $101
Ford Edge Sport 2WD $1,208 $101
Ford Edge Sport AWD $1,208 $101

Rates assume 2016 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.

Ford Edge Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Ford Edge $190 $338 $460 $1,146
2014 Ford Edge $172 $292 $464 $1,086
2013 Ford Edge $168 $272 $474 $1,072
2012 Ford Edge $156 $252 $474 $1,040
2011 Ford Edge $150 $228 $478 $1,014
2010 Ford Edge $140 $210 $474 $982
2009 Ford Edge $132 $190 $474 $954
2008 Ford Edge $128 $170 $468 $924
2007 Ford Edge $126 $166 $460 $910

Rates are averaged for all Ford Edge models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Ford Edge Insurance

Saving money on insurance for a Ford Edge consists of being a good driver, 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 requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a condensed summary of the ideas that were covered above.

  • Drivers age 16 to 20 are charged the highest rates, costing as high as $378 per month including comprehensive and collision insurance
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,340 more annually than a safer driver
  • Increasing deductibles could save up to $350 each year
  • Drivers can save approximately $130 per year just by quoting online in advance

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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2020 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2019 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2019 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2018 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2018 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2017 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2017 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
2016 Ford Edge SUV FWD5 stars5 stars5 stars4 stars
2016 Ford Edge SUV AWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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 
Insurance Coverage CategoryLoss Rate
Collision-47%
Property Damageno data
Comprehensive-7%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety

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:

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

Rates by Driver Age

Ford Edge Insurance Rates by Driver Age
Driver Age Premium
16 $4,532
20 $2,656
30 $1,176
40 $1,146
50 $1,052
60 $1,030

Full coverage, $500 deductibles

Rates by Deductible

Ford Edge Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,378
$250 $1,270
$500 $1,146
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Ford Edge Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,146
50/100 $1,300
100/300 $1,415
250/500 $1,714
100 CSL $1,346
300 CSL $1,599
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Edge Insurance Rates for High Risk Drivers
Age Premium
16 $6,416
20 $4,234
30 $2,522
40 $2,486
50 $2,380
60 $2,358

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $77
5-yr Claim Free $73
Paid in Full/EFT $47
Advance Quote $54
Online Quote $79
Total Discounts $470
Rate after discounts $676

Discounts are estimated and may not be available from every company or in every state.

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