What is the Best Car Insurance for a Ford Edge?

Average Ford Edge insurance rates are $108 a month, but your driving record and the age of your vehicle impact what you pay for Ford Edge insurance coverage. 2015 Ford Edge insurance costs less than newer models, so follow this guide where we compare Ford Edge insurance quotes for you. Enter your ZIP code below to compare quotes in your state.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,296 a year or $108 each month
  • A liability-only policy costs around $519 a year or $43 each month
  • Highest rates are for teenage drivers at around $4,737 a year or $395 each month
  • Good drivers can save as much as $534 a year by earning policy discounts
  • Ford Edge insurance costs around $223 less per year than the average vehicle

Ford Edge insurance rates are $233 lower per year than the national average, with full coverage costing about $1,296 a year or $108 a month. But if you have an older Ford Edge, you might be able to get away with liability coverage only, which averages $519 a year or $43 a month. If you’re a good driver, you can save up to $534 a year when you don’t make a claim. We’re going to look at Ford Edge insurance rates, safety ratings, and more.

You can start comparing quotes for Ford Edge car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Edge Insurance Cost

The average Ford Edge car insurance costs are $1,296 a year or $108 a month.

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Are Ford Edges Expensive to Insure?

The chart below details how Ford Edge insurance rates compare to other SUVs like the Audi Q3, Cadillac XT5, and Buick Enclave.

Vehicle Comprehensive Collision Liability Total
Ford Edge $266 $500 $372 $1,296
Audi Q3 $344 $686 $398 $1,586
Cadillac XT5 $376 $718 $372 $1,624
Buick Enclave $348 $594 $372 $1,472
Buick Encore $322 $562 $372 $1,414
Mazda CX-9 $332 $542 $390 $1,422
Lincoln Navigator $356 $686 $398 $1,598
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However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Edge Insurance?

The Ford Edge trim and model you choose will affect the total price you will pay for Ford Edge insurance coverage.

Age of the Vehicle

The average Ford Edge car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Ford Edge are $1,296, while 2010 Ford Edge rates are $1,086, a difference of $210.

Model Year Comprehensive Collision Liability Total
2020 Ford Edge $266 $500 $372 $1,296
2019 Ford Edge $254 $482 $390 $1,284
2018 Ford Edge $244 $478 $398 $1,278
2017 Ford Edge $236 $466 $416 $1,276
2016 Ford Edge $228 $446 $430 $1,262
2015 Ford Edge $216 $430 $442 $1,246
2014 Ford Edge $206 $400 $452 $1,216
2013 Ford Edge $198 $376 $456 $1,188
2012 Ford Edge $190 $338 $460 $1,146
2011 Ford Edge $178 $310 $460 $1,106
2010 Ford Edge $172 $292 $464 $1,086
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Driver Age

Driver age can have a significant impact on Ford Edge auto insurance rates. For instance, a 30-year-old driver may pay $57 more each year for Ford Edge auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Edge insurance rates. For example, drivers in New York may pay $791 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Ford Edge car insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Edge car insurance with violations on their driving record.

Ford Edge Safety Ratings

Your Ford Edge auto insurance rates are tied to the Ford Edge’s safety ratings. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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Ford Edge Crash Test Ratings

Not only do good Ford Edge crash test ratings mean you are better protected in a crash, but good Ford Edge crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Ford Edge SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Ford Edge SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Ford Edge SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Ford Edge SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Edge SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Edge SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Edge SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Edge SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Edge SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Edge SUV AWD 5 stars 5 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Ford Edge Safety Features

The Ford Edge safety features can help lower insurance costs. According to AutoBlog, the 2020 Ford Edge has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Ford Edge Insurance Loss Probability

The Ford Edge’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Edge, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision -47%
Property Damage no data
Comprehensive -7%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Ford Edge Finance and Insurance Cost

If you are financing a Ford Edge, you will pay more if you purchase Ford Edge auto insurance at the dealership, so be sure to shop around and compare Ford Edge auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Edge Insurance

You can save more money on your Ford Edge auto insurance rates by employing any of the following five strategies.

  • Choose a Ford Edge with Cheaper Repair Costs
  • Move to an Area with a Lower Cost of Living
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Pay Your Bills On Time — Especially Ford Edge Payments and Insurance

Top Ford Edge Insurance Companies

The best auto insurance companies for Ford Edge car insurance rates will offer competitive rates, discounts, and account for the Ford Edge’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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