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 for full coverage insurance. Comprehensive insurance costs on average $254, collision insurance costs $482, and liability is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs $2,780 or more. Teens pay the highest rates at up to $4,856 a year.

Average premium for full coverage: $1,284

Price estimates by individual coverage:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Edge trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, 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 illustrates average Ford Edge insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $743
• Raising to $1,000 deductibles will save around $166 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,284
• Selecting more expensive low deductibles will cost an extra $324 annually
• Drivers with serious driving violations could pay upwards of $2,780
• The price for full coverage for a 16-year-old driver with full coverage may cost $4,856

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

The state you live in also has a big influence on Ford Edge insurance prices. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average 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 Cheaper Ford Edge Insurance

Getting lower rates on insurance for a Ford Edge consists of having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a condensed summary of the data that was touched on in the above illustrations.

• It is possible to save as much as $150 per year just by shopping early and online
• Insureds who require increased levels of liability coverage will pay approximately $430 annually to raise from a low limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, as much as $405 a month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,500 more each year to buy Ford Edge insurance

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