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.

Estimated auto insurance rates for a Ford Edge are $1,278 annually for full coverage insurance. Comprehensive insurance costs on average $244, collision costs $478, and liability costs around $398. A policy with only liability insurance costs as low as $460 a year, with a high-risk policy costing $2,774 or more. Teenage drivers pay the most at $4,868 a year or more.

Average premium for full coverage: $1,278

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Edge trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Ford Edge insurance rates for different risk profiles and scenarios.

• The best discount rate is $738
• Using higher $1,000 deductibles will save around $164 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,278
• Using more expensive low deductibles for physical damage coverage costs an additional $318 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,774 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,868 or more

View Chart as Image

Car insurance prices for a Ford Edge also have a wide range based on the model of your Edge, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $490 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Edge insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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 Buy Cheaper Ford Edge Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every year by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.

The points below are a condensed summary of the coverage data covered above.

• It is possible to save as much as $150 per year simply by shopping early and online
• Increasing policy deductibles could save up to $475 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $406 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,500 more each year to insure a Ford Edge

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