Ford Edge Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ford Edge costs less than most other SUVs to insure.

• Liability insurance for an Edge tends to be about $80 per month, while full coverage typically averages around $135 monthly.

• The most affordable auto insurance company for an Edge is Verti, who offers liability only coverage for as low as just $31 per month, on average.

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Edge Overview

The Ford Edge is a great SUV for all budgets, with new 2021 models starting at $31,250. While it on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when thinking about your car insurance costs.

We analyzed thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Ford Edge car insurance premiums run about $136 a month. But how does that stack up to other similar SUVs out there on the market?

How Much is Car Insurance for a Ford Edge?

Based on the table above, when you compare the Ford Edge to other vehicles, insurance prices are lower than average. Edge drivers can expect to pay around $80 monthly for liability insurance, and about $135 a month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other Ford models, the Edge is more affordable, with rates around 17% lower than the rest of the manufacturer's vehicle offerings. Similarly, compared to other vehicles of a similar body style, Edge coverage is cheaper than average, with both liability and full insurance averaging less expensive prices than other SUVs.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what make, body style, or model they are.

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Who has the Cheapest Car Insurance for a Ford Edge?

If you're in the market for a new car insurance policy for your Ford Edge, you probably want to know which carrier offers the lowest prices. Even though premiums can differ considerably depending on your driver profile, Mile Auto provides the lowest average rates for liability only coverage, with rates as cheap as $16 monthly. The runner up for cheapest rates is CaliforniaCasualty, with insurance polices starting as little as just $17 per month.

Rounding out the list are Encompass, Verti, and AnswerFinancial. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance companies look at a bunch of different variables when calculating premiums. The only way to guarantee you find the most affordable rates is to compare quotes from a wide array of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford Edge?

There are several attributes that insurance companies take into account to determine how much they charge -- and each company uses a different method, so there's not one carrier that's the cheapest for every Edge driver.

The sections below show multiple factors auto insurance carriers use to calculate rates:

Vehicle Age

The Ford Edge has been around for a while, so vehicle age may make a big difference in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Edges begin to depreciate, insurance costs will gradually go down.

As you can see in the information above, the Ford Edge is not quite in line with this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest Edges are 4 to 5 years old, on average.

Your Age

Age plays a significant role in how much car insurance companies will charge for a policy. As you can see above, the youngest Edge drivers pay a lot more compared to drivers with more experience. In this case, drivers under 18 pay $61 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for Edge drivers.

Your Gender

Women tend to pay less for auto insurance than men. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim. The Ford Edge sticks to the norm, where men pay about 5% more than women a month for car insurance.

Where You Live

You're probably already aware that things like what vehicle you drive and how old you are play a role in your insurance costs, but you may not realize that where you live matters, too. Since auto insurance is regulated at the state level, rates fluctuate quite a bit from state to state.

For example, the average Ford Edge owner in New York pays around $162 per month for liability coverage, while on average, the same Californian driver will pay less than half of that price. The table above shows average costs for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Ford Edge Car Insurance Discounts

Whatever where you live, which car you drive, or how old you are, it's always in your best interest to take advantage of as many insurance discounts as possible when shopping around for a policy.

Even though all car insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than by monthly payments
• Multi-car discounts for insuring more than one of your vehicles with the same carrier

These are just a few of the discounts out there. Sometimes the best way to save is just by having a profile that looks good to insurance carriers.

While you may not be able to control every factor auto insurance companies examine to calculate premiums (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

You've most likely heard ads from car insurance carriers posting hefty savings for good drivers. It shouldn't come as a surprise that if you get into a collision or get cited for speeding, insurance prices will go higher. But how much will they cost you?

As you can see from the table above, accidents will usually cost Edge drivers more than tickets, but both will result in higher than average rates. Ford Edge drivers with a single accident on their record pay an average of $101 a month (up $21 from the $80/mo. overall average), while drivers with one ticket will pay about $92 monthly. Those with more than one of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your car insurance rates is the total amount of miles you drive annually. Those who are on the roads less are less likely to get into accidents, so they'll normally be offered lower costs. In the table above, you can see that Ford Edge owners who drive fewer than 2,500 miles per year pay about $81 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $78.

But if you don't drive much because have a second vehicle or you work from home, it may be worth learning about usage-based or pay-per-mile insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Ford Edges Compare to Other Vehicles?

If you're thinking about buying a new SUV and a Ford Edge is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Visit the table below to see how the Ford Edge compares:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Ford Edge is a fantastic value for any budget. While the average vehicle MSRP in the U.S. is $46,228, the Edge goes for just $31,250.

Likewise, car insurance premiums are cheaper when compared to the rest of the vehicle market. Liability insurance for a Ford Edge is about $32 monthly less expensive than average, while full coverage is more than $50 cheaper per month.

When it comes to usage, Ford Edge drivers are far from the national average in annual miles driven, with 11,681 miles each year for all vehicles compared to the Edge's 12,811 every year.

Ford Edge Car Insurance Costs by Model Year

You've seen how different factors can have an impact on what you'll pay for auto insurance. If you're in the market for a new car, truck, or SUV and the Edge is on your wishlist, knowing what you'll likely pay can be helpful as you consider your choices.

So we've broken down Ford Edge insurance prices by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, like base price, cheapest insurance company, and even available trims for each year the Edge has been around.

Choose Your Model

2021 Ford Edge Car Insurance 2020 Ford Edge Car Insurance 2019 Ford Edge Car Insurance 2018 Ford Edge Car Insurance 2017 Ford Edge Car Insurance 2016 Ford Edge Car Insurance 2015 Ford Edge Car Insurance 2014 Ford Edge Car Insurance 2013 Ford Edge Car Insurance 2012 Ford Edge Car Insurance 2011 Ford Edge Car Insurance 2010 Ford Edge Car Insurance

2021 Ford Edge Car Insurance

If you're considering a brand new Ford Edge, you're looking at a starting price of $31,250, but with four different trim levels available on this year's Edge, the price can vary quite a bit.

The average 2021 Ford Edge generally costs around $49 monthly to insure for liability only and $116 a month for full coverage. And if you want the lowest insurance possible, DirectGeneral offers liability only policies for as cheap as just $49 per month.

Although it's great to know the average price drivers pay for insurance, a personalized quote is the only way to find out exactly how much you'll pay. Luckily, Compare.com will gather quotes from multiple companies for you, all for free. To get started, just enter your ZIP code below.

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2020 Ford Edge Car Insurance

If you're in the market for a 2020 Edge or already own one, you're most likely looking at an average car insurance price of about $74 for liability or $154 for full coverage.

And if you're just looking for the most affordable auto insurance for your Edge, Safeco offers liability only policies for as low as $31 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2019 Ford Edge Car Insurance

On average, drivers who own a 2019 Ford Edge can expect to pay $109 to $172 per month for liability only and full coverage insurance, respectively.

DirectGeneral has costs sometimes as low as $29 a month for the 2019 Ford Edge.

If you want to know exactly how much you can expect to pay for your Edge, just enter your ZIP code below and get several free quotes in minutes.

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2018 Ford Edge Car Insurance

The average cost to insure a 2018 Edge with liability only coverage is $91 monthly, while full coverage runs around $147 per month.

With prices sometimes as cheap as $18 a month, Safeco offered the cheapest policy we found for the 2018 Ford Edge.

Interested in what your car insurance price will be? Enter your ZIP code below to get lots of free personalized quotes.

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2017 Ford Edge Car Insurance

You can expect full coverage for a 2017 Ford Edge to run about $137 monthly, while liability only coverage will average around $65 per month.

We found Mile Auto offered the lowest policy, with rates sometimes as little as $16 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2016 Ford Edge Car Insurance

2016 Edge drivers can expect to pay an average of $94 monthly for liability or $142 for full coverage.

With premiums as little as $20 per month, Encompass offered the most affordable policy we found.

Want to find the cheapest rates? Enter your ZIP code below to get several free customized quotes.

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2015 Ford Edge Car Insurance

It costs about $77 a month for liability or $138 for a full coverage policy for the 2015 Ford Edge.

Liberty Mutual offered the lowest policy we found, with rates as cheap as $16 monthly.

If you want to know exactly how much you can expect to pay for your Edge, just enter your ZIP code below and get free quotes in minutes.

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2014 Ford Edge Car Insurance

You can expect full coverage for a 2014 Edge to run around $142 a month, while liability only coverage will average about $86 per month.

Looking for the most affordable policy? Elephant offered liability only coverage for as low as $20 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2013 Ford Edge Car Insurance

On average, drivers who own a 2013 Ford Edge can expect to pay $80 to $136 per month for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2013 Ford Edge insurance policy, Elephant offered the cheapest policy we found, with rates sometimes as low as $17 monthly.

Want to find the best rates? Get a variety of free customized quotes by just entering your ZIP code below.

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2012 Ford Edge Car Insurance

It costs around $76 per month for liability or $131 for a full coverage policy for the 2012 Edge.

We found Mapfre offered the lowest policy, with rates as little as just $19 a month.

These average ratesmake_model([object Object]), but there are a whole range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, et customized quotes by entering your ZIP below.

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2011 Ford Edge Car Insurance

The average cost to insure a 2011 Ford Edge with liability only coverage is $70 monthly, while full coverage runs about $124 a month.

If you're looking for the lowest possible 2011 Ford Edge insurance policy, American Family offered the most affordable policy we found, with rates as little as $17 monthly.

While these are good estimates of what the average driver might pay to insure a 2011 Ford Edge, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2010 Ford Edge Car Insurance

2010 Edge drivers can expect to pay an average of $80 per month for liability or $132 for full coverage.

Coverhound has rates as cheap as just $17 a month for the 2010 Ford Edge.

What will your insurance cost be? Enter your ZIP code below to get multiple customized quotes for free.

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Ford Edge Insurance FAQs

Is a Ford Edge expensive to insure?

The Ford Edge is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $80 per month, while full coverage will cost you around $135.

How can I get the best price on car insurance for my Ford Edge?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare costs from lots of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ford Edge affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. Even though there are several variables auto insurance companies consider when they offer rates, your Ford Edge's color is not factored into that equation.

Do I need to have insurance before I buy a Ford Edge?

You'll need to have valid car insurance for your car before you can legally drive your it off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but your best bet is letting your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Ford Edge?

You will find lots of different discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Edge has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to be certain is to contact your insurance company and ask about their list of discounts, since they vary quite a bit from carrier to carrier.