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 $1,296 a year with full coverage. Comprehensive costs an estimated $266, collision costs $500, and liability is $372. Liability-only insurance costs around $438 a year, with high-risk driver insurance costing around $2,808. Teenage drivers pay the most at $4,868 a year or more.

Average premium for full coverage: $1,296

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Edge trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using average rates.

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

Additional Charts and Tables

The chart below details estimated Ford Edge insurance rates for other coverage scenarios.

• The best discount rate is $750
• Raising to $1,000 deductibles will save approximately $174 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,296
• Using more expensive low deductibles bumps up the cost to $1,636
• At-risk drivers who are prone to accidents and violations could pay up to $2,808 or more
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,868

View Chart as Image

Insurance prices for a Ford Edge also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Edge insurance prices. A middle-age driver might find prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $520 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and 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 the Best Ford Edge Insurance

Finding better rates on car insurance consists of being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least every other year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief recap of the car insurance concepts covered above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,510 more annually than a low-risk driver
• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $525 each year
• Policyholders who want more liability protection will pay an extra $410 every year to raise from 30/60 bodily injury limits to the 250/500 level

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