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.

U.S. average insurance rates for a Ford Edge are $1,284 a year with full coverage. Comprehensive costs around $254 a year, collision insurance costs $482, and liability coverage costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs around $2,780. 16-year-old drivers pay the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,284

Price estimates for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $743
• Drivers who choose higher $1,000 deductibles will pay about $1,118 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,284
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,608
• High-risk insureds with multiple tickets or accidents could pay at least $2,780
• The price for full coverage for a teenage driver can be $4,856 a year

View Chart as Image

Insurance prices for a Ford Edge are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

The state you live in makes a big difference in Ford Edge insurance rates. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $490 a year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average rate. 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 the Cheapest Ford Edge Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a recap of the concepts that were covered in the above illustrations.

• Drivers that have major violations or accidents pay an average of $1,500 more every year for auto insurance
• Teenage drivers are charged the highest prices, costing up to $405 a month including comprehensive and collision insurance
• You may be able to save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $500 each year
• You may be able to save up to $150 per year just by quoting early and online

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