A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years Leslie Kasperowicz

UPDATED: May 6, 2022

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The Concise Case

  • The average car insurance for a Ford Edge costs $108 per month or $1,296 annually.
  • The trim level and age of your Ford Edge model will impact your annual car insurance rates.
  • The state you live in will also affect how much you pay for your Ford Edge car insurance.

Anytime you’re behind the wheel of a vehicle, you should be driving with insurance, no matter the type of car. On average, car insurance for a Ford Edge costs $108 per month or $1,296 annually. Fortunately, the Ford Edge insurance rates are some of the lowest compared to other leading crossovers on the market today.

The Ford Edge is a unique crossover, with four special models, beginning with the SE. Many compare this vehicle with the Kia Sorento and the Toyota Venza because of the suggested manufacturer’s retail price and gas mileage. However, the Edge has a few very special features that make it stand out from the competition. And we’re not talking about power windows, either.

It should come as no surprise that one of the factors a driver should think about when looking for a car to buy is coverage. Yes, you want to ensure you have a vehicle with ample space, adequate power, and is within your price range, but it also needs to be protected. It’ll be less of a smooth ride for you if you have to worry about driving uninsured. Read through our comprehensive Ford Edge review guide to better understand how your insurance rates are calculated, and to learn how to compare car insurance coverage like a professional.

Can’t wait to get started? Whether you drive a 2012 Ford Edge SE or a brand new 2020 model, start comparing affordable Ford Edge car insurance rates by entering your five-digit ZIP code into our FREE online quote tool above. Find the perfect match for your coverage needs.

What would be the average annual Ford Edge insurance rates?

How much does a Ford Edge cost to insure? The average annual price for Edge car insurance is $108 per month or $1,296 for full coverage. However, many factors impact your overall rates.

The age of your model, where you live, and even the trim level you choose will impact your overall car insurance premiums. It may shock you to discover that size is less important, but insurance providers care more about the expensive parts of a vehicle. You may get lots of compliments on your car because of how it looks; if that’s the case you may end up paying more for it. Find your state below to see how much a Ford Edge costs to insure annually in your area.

Ford Edge Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
New Hampshire$934
New Jersey$1,452
New Mexico$1,150
New York$1,366
North Carolina$748
North Dakota$1,062
Rhode Island$1,732
South Carolina$1,178
South Dakota$1,096
West Virginia$1,188
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If you live in North Carolina, Virginia, or Maine, you are paying much less for your Ford Edge insurance rates. Contrarily, those living in Michigan, Louisiana, or Kentucky are paying much more than average. 

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What are some rates based on the model year?

Do you drive a Ford Edge or are you looking for 2022 Ford Edge insurance costs? The age of your vehicle will impact your overall car insurance rates.

Over the years, Ford has made some noticeable changes to the Edge. The exterior, for example, is much more stylish. Inside the vehicle, noise suppressors now help provide you with a quiet, peaceful, and comfortable ride.

The engine has also gone through various upgrades. The 2012 model boasted the first 240 horse-powered engine, which increased the power and performance of the Ford Edge.

Newer car models feature groundbreaking technology and advancements that make the driving experience all-around safer and more enjoyable. However, all of those bells and whistles can be expensive to replace if you ever need to submit any car insurance claims. Therefore, newer car models usually cost more to insure than older models.

The Ford Edge is no exception. See what we mean in the table below, which compares average annual rates for the Ford Edge by model year.

Ford Edge Average Annual Car Insurance Rates by Model Year
Ford Edge Model YearComprehensiveCollisionLiabilityTotal Premium
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
2009 Ford Edge$168$272$474$1,072
2008 Ford Edge$156$252$474$1,040
2007 Ford Edge$150$228$478$1,014
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There are a lot of 2012 Ford Edge comparisons because the vehicle went through a complete remodel. The 2012 model was approximately 55 pounds lighter than the previous models. This helped the Edge attain better mileage. Ford continued to improve the 2012 Ford Edge gas mileage up through to today.

The suspension and steering have also received many upgrades over the years, which helps cut down on the response time to allow for a natural, more, transitional shift in gears that some critics claimed the automatic transmission lacked in the early days.

Many people started to trade in their minivans when the first Ford Edge was launched. However, this crossover was never meant to replace such a spacious vehicle. What the Edge does promise is versatility and adequate cargo space, with a touch of style.

What is the average annual price for car insurance by trim level?

There are four Ford Edge trim models you can choose from, the basic SE, the SEL, the Limited, and the Sport. Take a look at the insurance rates by trim level in the table below.

Ford Edge Average Annual Car Insurance Rates by Trim Level
Ford Edge Model and TrimAnnual PremiumMonthly Premium
Ford Edge SE 2WD$1,222$102
Ford Edge SE AWD$1,254$105
Ford Edge SEL 2WD$1,254$105
Ford Edge Limited 2WD$1,296$108
Ford Edge SEL AWD$1,296$108
Ford Edge Limited AWD$1,386$116
Ford Edge Sport 2WD$1,386$116
Ford Edge Sport AWD$1,386$116
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The SE model will cost less to insure because it has less technology and additions. That means it will be cheaper to repair or replace it if it is totaled in an accident.

How much is a Ford Edge?

The Ford Edge SE generally starts at $27,525 in total. Some standard features include cloth seats, AM/FM CD player, power locks, a crash alert system, and an anti-theft device. These are all sure to increase your ride quality; we are creatures of comfort after all. Did you know you can invest in a security system and save on car insurance?

Of course, when you combine all the safety and security mechanisms, they make the SE a very good choice. You can find great financing offers of about $386 per month for 72 months, which equals six years. However, to qualify you will need a credit score over 600, as the APR or annual percentage rate for this price is approximately 4.9 percent.

The next model, the Ford Edge SEL, retails for $31,080. The standard features include everything the SE offers, plus a subscription to Sirius XM satellite radio, a management system for your rear cargo, and a personalized safety system.

Unfortunately, with a higher retail price, comes an increase in monthly payments too. Financing this model for 72 months will cost you $438 per month if you meet the qualifications for an annual percentage rate of 4.9 percent.

The Limited is the next model and has a retail price of $34,940. You will immediately notice the difference between this model and the SE or SEL. The opulence is elevated, with seats that have leather trim and power heat. You also have a camera for the rearview and a touch screen for easy access to dashboard functions to make for a dependable ride.

Ironically, even though the retail cost is over $3,800 more than the SEL and over $7,000 more than the SE, the financing responsibilities are not too bad. At $493 per month, for 72 months, this is just $55 more than the SEL. It is $107 more than the SE, however.

Last on the list of Ford Edge models is the Sport, which costs $37,110. They made every effort to impress you with this one, and you will surely notice the fine details. They added all the standard features from the previous three models and include things like Sony HD radio, power mirrors with heat sensors that help with de-icing, and blind-spot indicators.

The Sport model is the most expensive but still comes at well under $40,000. It retails for $37,100 and if you finance it for 72 months, you will pay about $525 per month.

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What do the safety ratings and professional ratings look like?

According to the Insurance Institute for Highway Safety, the Ford Edge is one of the 2020 top safety picks. This will be reflected positively in your car insurance rates. Check out the safety ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints & seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. If you drive this vehicle, you can rest easy knowing it is going to keep you and your family safe.

Beyond crash tests and safety ratings, other professional groups rate the quality, performance, reliability, and design of the Ford Edge. For example, J.D. Power scored the Ford Edge very highly in the areas of design, performance, and reliability. However, their overall quality scores remain average, by comparison.

While customer surveys from forums and consumer groups provide positive feedback in similar areas, it appears somewhat odd that J.D. Power would not echo these sentiments. However, in the category of overall quality, these results speak volumes.

It is possible that J.D. Power has a more in-depth study than others do, especially since they take into consideration a much longer period of time to calculate certain reports.

Their dependability scores, for example, measure customer complaints within three years of owning their Edge. This area received four out of five stars, meaning the Edge performed above average and better than many in the same group.

However, with the overall quality, they only recall the comments of customers who issued complaints within the first three months. It can be challenging, to say the least, to judge the quality of a vehicle in so short a time. After all, there are certainly many factors to consider before making a final decision.

Nevertheless, it is always important for a consumer to review more than one set of statistics because the customer experience is very subjective. At least when you have several resources to review, you can reflect on certain aspects, which help you to arrive at your own conclusion.

Are there any incentive and rebate offers available?

Since the first model rolled off the assembly line in 2006, the Ford Edge has given the competitors in the crossover division a run for their money. In fact, a Ford media article explains how the Edge sold 400,000 units between 2006 and 2010.

That is about 100,000 per year. In July 2011, the Edge increased in sales by 33 percent and accounted for more than 4 percent of the entire industry.

To help increase individual sales of the Ford Edge crossover, they often provide consumers with exceptional incentives and rebates.

The offers are available on a national and local level, so almost everyone meets their eligibility requirements. Their cashback bonuses begin at the $500 mark and increase to as much as $1,500. They allow just about anyone to participate, including military personnel, law enforcement groups, and even first-time buyers.

Ford has financing incentives focusing on APR percentages starting as low as 0.90 percent for a two or three-year lease. If you want a longer lease term, you can also take advantage of APR percentages beginning at 1.9 percent for four years, 2.9 percent for five years, and even 4.9 percent for as long as six years.

Few of their competitors can afford to make these kinds of deals available to the average shopper.

Are there any consumer reviews for the Ford Edge?

You want to put in a reasonable effort when it comes to buying cars, and that means looking into reviews. The worst case scenario is ending up with a vehicle that gives you nothing but mechanical worries instead of an excellent ride. The reviews from customers for the Ford Edge are very good. Most rave about the upgrades from 2006 until today, including the EcoBoost feature, which allows for excellent performance even with a four-cylinder model.

With everyone so concerned about having an environmentally correct vehicle these days, Edge owners feel proud of driving around town. They know the CO2 emissions will not contribute to the negative effect of greenhouse gases.

In addition to Ford doing their part to save the environment, they did not make any adjustments that would result in a customer having to give up speed and speed. This is where EcoBoost really delivers, with turbocharged throttle response.

Many also enjoy the fun aspect of being able to take the crossover on different types of terrain, without having to worry about the handling aspect. The Edge has the ability to move swiftly and easily along all types of roads, regardless of the condition. This includes poor weather, thanks to the combined efforts of the brake support and collision warning devices.

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Are there disadvantages to the Ford Edge regarding fuel economy?

The unfortunate side of owning a Ford Edge when compared to the Toyota Venza and Kia Sorento is the mileage. Although it does drive well and provides a stable ride, it has terrible gas mileage – the worst miles per gallon rate of the three vehicles. Getting stuck in the evening rush hour or going on a road trip could end up being pure torture on your wallet.

According to the government’s fuel economy site, the Venza gets approximately 22 city miles-per-gallon and the Kia has an impressive score of 24 city miles-per-gallon. The Edge only has about 19 city miles-per-gallon. However, when combining city and highway driving, the average is closer to 22 miles-per-gallon.

This means, over the course of a year, you could spend about $3,050 on gas with the Edge, while the Venza will average about $2,600 and the Sorrento will only cost you $2,400.

Still, the Edge does produce very low emissions and is well within the guidelines provided by the Environmental Protection Agency, so it is not that much of a disadvantage when you look at things from this perspective.

The Ford Edge is worth checking out if you are ready to leave the carpool arena but still desire space without the bulkiness of a full-sized SUV.

It is a five-passenger vehicle with plenty of technological advances to ensure safety and security. You can hitch a small trailer of 3,500 pounds and tow it behind you on long drives. It is the perfect combination of sport utility and passenger vehicle.

Certainly there are more competitive vehicles out there, but this one may be the best fit for you, and that’s all that matters. You are now an expert on securing cheap Ford Edge car insurance. Ready to buy Ford Edge car insurance?  Simply enter your five-digit ZIP code into our FREE online quote tool below to immediately receive affordable Ford Edge car insurance quotes.