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 on average $254 each year, collision costs $482, and liability costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing around $2,780. Teen drivers pay the most at $4,856 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Edge models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $743
• Using higher $1,000 deductibles will save around $166 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,284
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,608
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,780 or more
• An auto insurance policy that insures a 16-year-old driver may cost $4,856 or more

View Chart as Image

Insurance prices for a Ford Edge also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

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 $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,830 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $490 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially different.

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 Cheaper Ford Edge Insurance

Finding better rates on insurance for a Ford Edge requires being safe and accident-free, having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the data that was touched on in the above illustrations.

• Drivers can save as much as $150 per year simply by quoting online in advance
• Insureds who require more liability protection will pay about $430 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers pay the highest prices, as much as $405 per month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,500 more each year than a low-risk driver

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