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.

The average insurance prices for a Ford Edge are $1,284 every 12 months for full coverage insurance. Comprehensive costs on average $254, collision insurance costs $482, and liability insurance costs $390. A liability-only policy costs as little as $452 a year, and high-risk insurance costs around $2,780. Teen drivers cost the most to insure at up to $4,856 a year.

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Edge models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why everyone should compare rates based on a specific location and their own driving history, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $743
• Drivers who choose higher $1,000 deductibles will pay around $166 each year
• The average price for a good driver age 40 with $500 deductibles is $1,284
• Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,608
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,780
• Policy cost to insure a teen driver for full coverage may cost $4,856 a year

View Chart as Image

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

Choosing high deductibles could save up to $490 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Ford Edge insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for the Right Ford Edge Insurance

Finding cheaper rates on Ford Edge insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by requesting quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a quick rundown of the ideas that were covered above.

• Youthful drivers are expensive to insure, possibly costing $405 each month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,500 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date

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