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 insurance rates for a Ford Edge are $1,284 a year for full coverage. Comprehensive costs around $254, collision insurance costs $482, and liability coverage is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs around $2,780. Teenage drivers pay the most at up to $4,856 a year.

Average premium for full coverage: $1,284

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different Edge trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using average rates.

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

More Rate Information

The chart below shows average Ford Edge insurance rates for additional coverage choices and driver risks.

• The best discount rate is $743
• Choosing higher $1,000 deductibles can save about $166 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,284
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,608
• Drivers who are prone to accidents and violations could pay at least $2,780
• An auto insurance policy for full coverage for a teenage driver with full coverage can be $4,856 each year

View Chart as Image

Auto insurance prices for a Ford Edge also have a wide range based on your driving characteristics, the trim level of your Edge, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Edge insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $490 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

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 More Affordable Ford Edge Insurance

Finding better rates on auto insurance takes being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a summary of the data covered above.

• Consumers who may need an increased level of liability coverage will pay an extra $430 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Drivers can save up to $150 per year just by shopping early and online
• Increasing policy deductibles can save around $500 each year
• Drivers age 16 to 20 are expensive to insure, 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