The Ford Edge is a compact crossover SUV that first debuted in the U.S. with the 2007 model year. However, Ford discontinued the Edge after the 2024 model year. If you still drive a Ford Edge, it needs to be protected with the right car insurance.
When it's time to find the best Ford Edge insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a deep dive into how much it costs to insure a Ford Edge by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Edge Car Insurance
- Ford Edge insurance costs an average of $1,823 per year, or approximately $152 per month, for full coverage in 2026.
- Ford Edge insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $28 monthly for minimum coverage, while those in Louisiana pay $330.
- American Family, Progressive, and USAA are the cheapest carriers for model-year 2024 Ford Edge insurance this year.
- Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Edge insurance.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Edge model.
What Is Ford Edge Insurance?
Ford Edge insurance is a car insurance policy that includes customized coverage options for your specific vehicle. As a compact crossover SUV, the Edge may require additional coverage beyond that needed by standard sedans. However, the Edge's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford Edge drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Ford Edge:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
To avoid fines and other penalties, it's critical to comply with your state's requirements for minimum auto insurance. A local independent insurance agent can help you get equipped with all the mandatory Ford Edge insurance in your area.
How Much Does Ford Edge Insurance Cost?
The average cost of car insurance for a Ford Edge is $1,823 per year, or approximately $152 per month, for full coverage. Minimum coverage for a Ford Edge costs an average of $942 annually, or approximately $79 monthly. However, several factors can influence the cost of Ford insurance, including:
- The specific type of Edge you drive
- Your credit score (where allowed)
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Edge full coverage insurance or a basic Ford Edge liability insurance policy.
Is the Ford Edge Expensive to Insure?
No, the Ford Edge isn't expensive to insure on average when compared to other Ford vehicles and cars in general. The Ford Edge's average monthly full coverage rate of $152 is considerably cheaper than the average for all Fords and all other vehicles.
| Vehicle | Average Monthly Cost of Full Coverage |
|---|---|
| Ford Edge | $152 |
| All Fords | $164 |
| All Cars | $175 |
Average Ford Edge Insurance Rates Compared to Similar Vehicles
While the Ford Edge's average monthly insurance rates are a bit more expensive than those of a few similar vehicles, such as the Jeep Cherokee and the Toyota FJ Cruiser, they're actually much cheaper than those of many others.
For example, the Toyota 4Runner, Jeep Grand Cherokee, and the Mazda CX-70 are quite a bit more expensive to insure than the Ford Edge. The table below compares the Edge's average monthly rates to those of similar vehicles.
| Vehicle | Avg Monthly Cost (Minimum Coverage) |
Avg Monthly Cost (Full Coverage) |
|---|---|---|
| Isuzu Rodeo | $54 | $103 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Chevrolet Trailblazer | $83 | $160 |
| Ford Explorer | $84 | $162 |
| Nissan Pathfinder | $85 | $163 |
| Subaru Outback | $85 | $163 |
| Jeep Wrangler | $86 | $166 |
| Chevrolet Traverse | $86 | $167 |
| GMC Acadia | $87 | $168 |
| Toyota 4Runner | $87 | $169 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
Ford Edge Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Edge and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
|---|---|
| 2024 Ford Edge | $1,590 |
| 2023 Ford Edge | $1,320 |
| 2022 Ford Edge | $725 |
| 2021 Ford Edge | $542 |
| 2020 Ford Edge | $633 |
| 2019 Ford Edge | $553 |
| 2018 Ford Edge | $603 |
| 2017 Ford Edge | $693 |
| 2016 Ford Edge | $543 |
| 2015 Ford Edge | $486 |
| 2014 Ford Edge | $497 |
| 2013 Ford Edge | $374 |
| 2012 Ford Edge | $374 |
| 2011 Ford Edge | $500 |
| 2010 Ford Edge | $242 |
Cheapest Ford Edge Car Insurance Companies for 2026
Many different carriers offer affordable Ford Edge auto insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2024 Edge insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
|---|---|
| American Family | $1,578 |
| Progressive | $1,642 |
| USAA | $1,670 |
| Erie | $1,802 |
| Nationwide | $1,922 |
| Allstate | $3,269 |
Ford Edge Car Insurance Rates by State
Your location can have a significant effect on the cost of your car insurance. Here are some average auto insurance rates for the Ford Edge by state for 2026.
| State | Avg Monthly Cost (Minimum Coverage) |
Avg Monthly Cost (Full Coverage) |
|---|---|---|
| Alabama | $64 | $121 |
| Alaska | $56 | $118 |
| Arizona | $92 | $172 |
| Arkansas | $63 | $141 |
| California | $74 | $150 |
| Colorado | $75 | $179 |
| Connecticut | $109 | $188 |
| Delaware | $110 | $184 |
| Florida | $103 | $239 |
| Georgia | $120 | $196 |
| Hawaii | $41 | $93 |
| Idaho | $42 | $85 |
| Illinois | $71 | $132 |
| Indiana | $50 | $98 |
| Iowa | $42 | $102 |
| Kansas | $55 | $129 |
| Kentucky | $97 | $165 |
| Louisiana | $154 | $330 |
| Maine | $40 | $82 |
| Maryland | $122 | $206 |
| Massachusetts | $79 | $166 |
| Michigan | $120 | $230 |
| Minnesota | $63 | $129 |
| Mississippi | $67 | $133 |
| Missouri | $89 | $178 |
| Montana | $53 | $127 |
| Nebraska | $57 | $129 |
| Nevada | $139 | $252 |
| New Hampshire | $54 | $95 |
| New Jersey | $128 | $212 |
| New Mexico | $63 | $141 |
| New York | $96 | $172 |
| North Carolina | $63 | $123 |
| North Dakota | $44 | $97 |
| Ohio | $59 | $114 |
| Oklahoma | $71 | $157 |
| Oregon | $95 | $165 |
| Pennsylvania | $66 | $156 |
| Rhode Island | $97 | $173 |
| South Carolina | $80 | $149 |
| South Dakota | $40 | $122 |
| Tennessee | $61 | $122 |
| Texas | $99 | $203 |
| Utah | $84 | $143 |
| Vermont | $34 | $81 |
| Virginia | $74 | $120 |
| Washington | $72 | $134 |
| West Virginia | $67 | $136 |
| Wisconsin | $50 | $109 |
| Wyoming | $28 | $86 |
Average Ford Edge Insurance Rates by Driver Age and Profile
A driver's age, driving record, and credit can all have significant impacts on car insurance premium calculations. On average, teens and young drivers pay the most, by far, for Ford Edge insurance. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance costs gradually climb through their senior years. Here are some average insurance rates for the Ford Edge by driver age and profile for 2026.
| Driver Age/Profile | Avg Monthly Cost (Minimum Coverage) | Avg Monthly Cost (Full Coverage) |
|---|---|---|
| Teen and Young Drivers | $200 | $384 |
| Adult Drivers | $79 | $152 |
| Senior Drivers | $105 | $192 |
| Speeding Ticket on Record | $98 | $191 |
| Accident on Record | $116 | $222 |
| DUI on Record | $144 | $276 |
| Poor Credit | $186 | $375 |
Best Ford Edge Insurance Discounts: How to Lower Your Ford Edge Insurance Premiums
If you want to save the most money possible on Ford Edge insurance, try any of the following simple tips:
- Ask about Ford Edge insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Ford Edge insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Edge insurance from a trusted carrier near you.
When you work with a local independent insurance agent, you're automatically matched to the most affordable Ford Edge insurance in your area. Your agent can also recommend additional strategies to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Ford Edge Insurance Quotes
When it's time to find the most affordable Ford Edge insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Edge insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Edge Insurance
How much does Ford Edge insurance cost per year?
The average annual cost of full coverage for a Ford Edge is $1,823 per year, or approximately $152 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Edge insurance premiums?
Having past car insurance claims, living in a high-theft rate area, having poor credit, or having traffic violations and accidents on your record can all increase the cost of your Ford Edge insurance.
Is the Ford Edge expensive to insure?
No, the Ford Edge isn't expensive to insure on average. The Ford Edge's average monthly insurance costs are lower than those for other Fords and other vehicles in general.
What are the best and cheapest carriers for Ford Edge insurance in 2026?
We found that American Family, Progressive, and USAA are the best and cheapest car insurance companies for model-year 2024 Ford Edge insurance this year.
Is insurance cheaper for the Ford Edge than for other Ford vehicles?
Yes, the Ford Edge's average monthly insurance rate of $152 is cheaper than that for other Ford vehicles, which average $164.
How can I get cheaper Ford Edge insurance?
Finding cheaper Ford Edge insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/ford-edge-insurance/
https://www.insuranceopedia.com/auto-insurance/ford-edge-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/ford/edge/
