Ford Edge insurance costs average $79 monthly for minimum coverage and $152 per month for full coverage. Depending on your particular trim and model year, costs can range from $36 to $232 monthly for Ford Edge insurance.
Ford Edge Insurance Cost
Updated: October 1, 2025
Key Takeaways
Ford Edge insurance costs vary widely from $36 to $232 monthly depending on your model year and trim level.
The Edge ranks 182nd out of 827 vehicle models for insurance affordability in the US vehicle market from 2000-2025.
GEICO provides the most affordable Ford Edge insurance with full coverage at $122 monthly and minimum coverage at $56 monthly.
How Much Is Ford Edge Insurance?
| Ford Edge | $79 | $152 |
Ford Edge Insurance Cost by Model Year
Your Ford Edge model year and trim options affect insurance rates, with monthly costs varying across different years. Based on our analysis, Ford Edge insurance ranges from $44 per month for newer models to $199 monthly for certain older years.
| 2024 | $97 | $189 |
| 2023 | $65 | $126 |
| 2022 | $58 | $114 |
| 2021 | $52 | $101 |
| 2020 | $44 | $85 |
| 2019 | $91 | $177 |
| 2018 | $87 | $167 |
| 2017 | $82 | $159 |
| 2016 | $84 | $162 |
| 2015 | $83 | $161 |
| 2014 | $82 | $159 |
| 2013 | $83 | $161 |
| 2012 | $79 | $152 |
| 2011 | $103 | $199 |
| 2010 | $95 | $184 |
| 2009 | $93 | $179 |
| 2008 | $79 | $152 |
| 2007 | $73 | $140 |
Ford Edge Insurance Cost by Trim
Your Ford Edge trim affects insurance rates based on its features, market value, and replacement costs. Premium differences between trim levels can be substantial. Monthly rates for Ford Edge models range from $48 to $209, depending on your specific trim and coverage level.
| St Line Sport Utility 4d | $48 | $93 |
| St-Line Sport Utility 4d | $61 | $119 |
| Se Sport Utility 4d | $71 | $137 |
| St Sport Utility 4d | $72 | $141 |
| Sel Plus Sport Utility 4d | $73 | $141 |
| Titanium Sport Utility 4d | $74 | $144 |
| Sel Sport Utility 4d | $75 | $144 |
| Se | $88 | $171 |
| Sel | $91 | $177 |
| Limited Sport Utility 4d | $92 | $177 |
| Sport Suv 4d | $95 | $183 |
| Titanium | $100 | $195 |
| St-Line | $100 | $195 |
| St | $107 | $209 |
Compare Personalized Ford Edge Insurance Costs
We broke down Ford Edge insurance costs by model year and trim for accurate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2007
Select
Trim:Se Sport Utility 4d
| Se Sport Utility 4d | $71 | $136 |
Ford Edge Insurance Cost by Company
Ford Edge insurance costs vary by provider from $89 to $195 monthly. Minimum coverage ranges from $56 to $135, while full coverage costs $122 to $278. Rates vary due to different risk assessment models.
| AAA | $86 | $179 |
| AIG | $112 | $278 |
| Allstate | $96 | $186 |
| Amica | $95 | $195 |
| Chubb | $105 | $207 |
| Farmers | $112 | $197 |
| GEICO | $56 | $122 |
| Kemper | $80 | $161 |
| Nationwide | $88 | $152 |
| Progressive | $82 | $153 |
| State Farm | $73 | $152 |
| The Hartford | $91 | $155 |
| Travelers | $70 | $129 |
| UAIC | $135 | $168 |
Ford Edge Insurance Cost by State
Ford Edge insurance costs vary dramatically by location, ranging from $28 monthly in Wyoming to $330 in Louisiana.
| 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 |
Ford Edge Insurance Cost by Driver Profile
Your age and driving record heavily influence Ford Edge insurance costs. Young drivers under 25 pay around $292 monthly on average, while adult drivers between 26-64 typically pay just $115 monthly without violations. This dramatic difference shows how insurers view risk across age groups.
| Adult Drivers | $79 | $152 |
| Young Drivers | $200 | $384 |
| Senior Drivers | $105 | $192 |
| Drivers With a Speeding Ticket | $98 | $191 |
| Drivers With an Accident | $116 | $222 |
| Drivers With a DUI | $144 | $276 |
| Drivers With Bad Credit | $186 | $375 |
Is a Ford Edge Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford Edge ranks 182nd out of 827, making it one of the more affordable cars to insure. Among midsize SUVs, the model ranks 9th out of 33.
| Isuzu Rodeo | $54 | $103 |
| Gmc Envoy | $70 | $136 |
| Isuzu Ascender | $71 | $137 |
| Toyota FJ Cruiser | $72 | $140 |
| Mercury Mariner | $76 | $145 |
| Mitsubishi Montero | $76 | $147 |
| Jeep Cherokee | $76 | $148 |
| Saab 9-7X | $77 | $149 |
| Ford Edge | $79 | $152 |
| Honda Pilot | $79 | $152 |
| Honda Passport | $81 | $156 |
| Hyundai Veracruz | $81 | $157 |
| 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 |
| Jeep Wrangler Unlimited | $89 | $173 |
| Ford Mustang Mach-E | $89 | $174 |
| Kia Sorrento | $92 | $179 |
| Jeep Grand Cherokee | $94 | $182 |
| Mazda CX-70 | $94 | $184 |
| Kia EV6 | $99 | $194 |
| Ford Bronco | $103 | $201 |
| Hyundai Palisade | $107 | $209 |
| Volkswagen Atlas | $112 | $217 |
| Nissan Ariya | $111 | $217 |
| Toyota Land Cruiser | $114 | $220 |
| Jeep Wrangler 4xe | $125 | $242 |
| Jeep Grand Cherokee 4xe | $127 | $247 |
Factors That Affect Ford Car Insurance Costs
Several factors affect what you'll pay for Ford Edge insurance:
- Age (47 to 57 median): Middle-aged drivers receive lower rates than younger buyers due to established driving records and reduced risk-taking behaviors.
- Gender (70% male): Male ownership correlates with slightly higher premiums in most states, though some states prohibit gender-based rating.
- Income ($80,000 to $101,000): Higher credit scores associated with upper-middle-class buyers typically reduce premiums, though it varies by state regulations.
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748, which can lead to more affordable insurance for some Ford models.
Vehicle Trim, Features and Accessories
The Ford Edge offers five trim levels with varying performance and luxury features that directly impact insurance costs. Base SE models (250 horsepower, 2.0L EcoBoost) cost less to insure than higher trims, while the performance-focused ST trim (335 horsepower, 2.7L EcoBoost V6) commands the highest premiums due to its 0 to 60 mph time of 6.1 seconds.
Premium features like the 12-speaker Bang & Olufsen audio system, panoramic vista roof, leather-trimmed seats, and advanced driver assistance technologies increase replacement costs. Higher trim levels (Titanium and ST) with 19-inch and 21-inch wheels cost more to repair and replace, directly impacting comprehensive coverage premiums.
Fuel Type
The Ford Edge runs exclusively on gasoline with two EcoBoost engine options, which generally results in lower insurance costs compared to hybrid or electric vehicles. Standard 2.0L EcoBoost engines (21/28 MPG city/highway) are serviceable at most repair facilities, keeping maintenance costs predictable.
The performance-oriented 2.7L EcoBoost V6 (19/25 MPG) in the ST trim requires premium fuel and specialized service, potentially increasing comprehensive and collision coverage costs.
Unlike electric vehicles that require specialized technicians and expensive battery replacements, the Edge's conventional powertrains keep repair costs and insurance premiums more manageable across all trim levels.
Location
Ford Edge owners are distributed across suburban and urban areas nationwide, with concentrations in Michigan (manufacturing hub) and metropolitan regions where midsize SUVs are popular family vehicles. Geographic location substantially impacts insurance rates through state regulations, weather risks, crime rates, and accident statistics.
Driver Profile
Most Ford Edge drivers are middle-aged males. This demographic typically receives favorable insurance rates due to their driving experience and financial stability, though individual premiums vary depending on personal factors.
Driver demographics affecting Ford Edge insurance rates:
Cheapest Ford Edge Insurance Companies
GEICO offers the most affordable Edge car insurance, with full coverage averaging $122 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Edge vehicles at $56 per month.
| GEICO | $56 | $122 |
| Travelers | $70 | $129 |
| State Farm | $73 | $152 |
| Progressive | $82 | $153 |
| Kemper | $80 | $161 |
Cheapest Ford Edge Insurance by State
We found that these three companies offer the most affordable Ford Edge insurance across multiple states:
- Auto-Owners: Most affordable in 10 states
- GEICO: Most affordable in nine states
- Travelers: Most affordable in seven states
Filter below to find which insurer offers the best rates for your Ford Edge in your area.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $34 |
How to Get the Best Cheap Ford Edge Insurance
Below we explore the top ways to secure affordable Ford Edge insurance:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Ford's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. After this, you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Ford Edge, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for helps you get the cheapest rate possible. The five discounts below are the most likely we found that Ford Edge owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Edge buyers' median household income of $77,000 typically means multiple vehicles per household, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With Ford buyers being 60% male and 40% female homeowners in their prime earning years, Edge owners often bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Edge owners' mature demographics and practical SUV choice indicate responsible drivers with clean records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Edge's standard Ford Co-Pilot360 safety suite includes lane-keeping assist, auto emergency braking, and pre-collision assist that help you avoid crashes. Lots of insurance companies will reduce your premiums.
- Low Annual Mileage Discount (5% to 15% savings): As a discontinued model primarily owned by practical drivers who keep vehicles longer, Edge owners often drive fewer miles annually and can qualify for low-mileage discounts from insurers like GEICO and Progressive.
- 5
Consider alternative car insurance types
Ford Edge owners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Edge insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Edge Insurance Cost: Bottom Line
Insuring a Ford Edge costs less than average. Shop multiple companies, explore available discounts and evaluate different coverage options to secure the best rate for your vehicle.
Ford Edge Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Edge.
What is the average cost of car insurance for a Ford Edge?
The Ford Edge's average annual insurance cost is $942 annually for state minimum and $1,823 for full coverage.
What company has the cheapest car insurance for a Ford Edge?
GEICO offers the most affordable Edge car insurance, with full coverage averaging $122 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Edge vehicles at $56 per month.
Are Ford Edges expensive to insure?
No, Ford Edge insurance costs less than most cars. Out of 827 vehicles we track, the Edge ranks 182nd for affordability. Among midsize SUVs, this model sits at 9th out of 33.
What factors affect insurance costs for Ford Edges?
Several factors affect your Ford Edge insurance rates, including your driving record, credit score and the coverage level you choose. The Edge's midsize SUV classification and repair costs for advanced safety systems impact premiums. Location is important. Areas with higher theft rates or weather-related risks result in increased premiums.
How can I lower Ford Edge insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Edge Insurance Costs
We studied hundreds of millions of quote estimates across all vehicle models sold in the U.S. from 2000 to 2025 to get you the most accurate Ford Edge insurance costs.
Who We Based These Rates On
These Ford Edge prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.