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.

The average insurance rates for a Ford Edge are $1,146 a year including full coverage. Comprehensive costs an estimated $190 a year, collision costs $338, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,486. Teens cost the most to insure at $4,532 a year or more.

Average premium for full coverage: $1,146

Policy rates broken down by type of insurance:

Comprehensive $190
Collision $338
Liability $460

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Edge trim levels.

Price Range Variability

For an average driver, Ford Edge insurance rates go from as low as $510 for minimum levels of liability insurance to a high of $2,486 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

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

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

The examples above highlight why it is important to get quotes for a targeted area and risk profile, instead of using averaged prices.

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.

Additional Rate Details

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

  • The cheapest rate after discounts is $676
  • Choosing higher $1,000 deductibles can save approximately $1,026 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,146
  • Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,378
  • Unlucky drivers with serious driving violations could pay up to $2,486 or more
  • Policy cost for full coverage for a teen driver can cost as much as $4,532 each year

View Chart as Image

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

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

Older drivers with a good driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Edge insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,640 on average in Louisiana, New York, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $360 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 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 are likely paying $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates will be varied from one company to the next.

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 Find More Affordable Ford Edge Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

  • You may be able to save approximately $130 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $350 each year
  • Youthful drivers are the costliest to insure, with premiums being up to $378 each month if they have full coverage
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,340 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.

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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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