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 auto insurance rates for a Ford Edge are $1,284 annually with full coverage. Comprehensive costs approximately $254, collision costs $482, and liability is $390. A policy with just liability insurance costs around $452 a year, with coverage for high-risk drivers costing around $2,780. Teens receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,284

Rate estimates by individual coverage type:

Includes $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all Edge models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below details estimated Ford Edge insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $743
• Raising to $1,000 deductibles will save $166 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,284
• Selecting pricier low deductibles will cost $1,608
• Drivers with serious driving violations could pay around $2,780 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $4,856

View Chart as Image

Insurance rates for a Ford Edge can also vary considerably based on the trim level of your Edge, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional per year, depending on your age. Ford Edge insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $490 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each 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 $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly 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 the Cheapest Ford Edge Insurance

Saving money on insurance for a Ford Edge consists of being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a recap of the data raised in the charts and tables above.

• Insureds who purchase higher levels of liability will pay approximately $430 every year to raise from a minimum limit to higher 250/500 limits
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $500 each year
• Teenage drivers are the costliest to insure, with premiums as much as $405 per month if they have full coverage

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