How much does insurance cost for a 2019 Ford Edge?

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When people shop for a car, most focus on the sticker price, fuel economy, or the features that stand out. But insurance is another big part of the total cost of ownership – and it can change quite a bit from one driver to the next.

For a 2019 Ford Edge, what you’ll pay depends on the type of policy you carry. State-minimum liability is the cheapest option, averaging $628 per year ($52 per month).

Full coverage – which includes liability, collision, and comprehensive – costs closer to $1,862 per year ($155 per month) based on limits of 100/300/100 with $500 deductibles.

2019 Ford Edge insurance premiums by state

Where you live plays a huge role in what you’ll pay. ZIP codes can matter just as much as your driving history. That’s why insuring a Edge in California might be far more expensive – or cheaper – than in Florida.

Here’s a look at the cheapest and most expensive states for 2019 Ford Edge insurance.

Cheapest states to insure a 2019 Ford Edge

Idaho has the cheapest car insurance rates for 2019 Ford Edge drivers at an average cost of $1,126 a year or $94 per month. Other affordable states include Vermont, Maine, Hawaii and Ohio.

The table below shows the cheapest states to insure a 2019 Ford Edge.

State name	Average annual premium
Idaho	$1,126
Vermont	$1,200
Maine	$1,220
Hawaii	$1,224
Ohio	$1,285

Most expensive states to insure a 2019 Ford Edge

At the other end of the spectrum, Louisiana is the most expensive state for car insurance at $3,155 per year. Florida comes next at $2,674 annually, followed by Georgia at $2,646.

The table below shows which states have the most expensive 2019 Ford Edge insurance rates.

State name	Average annual premium
Louisiana	$3,155
Florida	$2,674
Georgia	$2,646
Texas	$2,582
California	$2,407

Breaking down 2019 Ford Edge insurance cost by trim level

Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.

Below, you’ll see how car insurance rates for the 2019 Ford Edge compare across trim levels.

Trim	Average annual premium
Edge SE	$1,815
Edge SEL	$1,840
Edge ST	$1,947
Edge Titanium	$1,887

Factors that influence 2019 Ford Edge insurance premiums

Insurance rates for a 2019 Ford Edge aren’t set in stone. What you’ll pay depends on things like the car’s age, the trim you choose, who’s behind the wheel, and the coverage limits in the policy. Here’s a closer look at the factors that make a difference.

Vehicle-related factors

Vehicle value. Newer or pricier models cost more to insure.
Repair costs. Higher repair or parts costs drive up premiums.
Safety ratings. Strong crash-test results and advanced safety features may reduce rates.
Theft risk. Models frequently targeted by thieves cost more to cover.

Driver-related factors

Age and gender. Younger drivers usually pay more.
Location. City drivers face higher premiums than rural drivers.
Driving history. Clean records lower costs, while tickets and accidents increase them.
Annual mileage. More time on the road means more risk, and higher premiums.

Policy-related factors

Coverage level. Full coverage costs more than liability-only, but offers broader protection.
Deductible amount. Higher deductibles lower premiums but increase out-of-pocket costs after a claim.
Optional add-ons. Coverage like roadside assistance, gap insurance, or rental reimbursement adds convenience but raises the total premium.

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Cheapest insurance companies for insuring a 2019 Ford Edge

State Farm offers the cheapest car insurance rates for a 2019 Ford Edge, averaging $1,526 per year. Other insurers with competitive prices include GEICO, Progressive, and Nationwide. The table below shows the companies with the most affordable 2019 Ford Edge insurance rates.

Company group	Average annual premium
State Farm	$1,526
GEICO	$1,581
Progressive	$1,845
Nationwide	$1,865
Farmers	$2,127
Allstate	$2,296

How to lower 2019 Ford Edge insurance premiums

Looking to save? Here are some practical ways to cut your costs.

Shop around for quotes. Each insurer calculates risk differently.
Adjust your coverage. If the car is older or you don’t drive often, lowering limits or dropping extras may save you money.
Raise your deductible. This lowers premiums but means paying more after a claim.
Take advantage of discounts. Safe driving, bundling home and auto, low mileage, and built-in safety features can all qualify.
Keep a clean record. Tickets and accidents can send rates soaring, while safe driving helps keep them low.
Try usage-based insurance. Some companies offer discounts if you opt into telematics programs that track driving behavior.

Edge insurance premiums by model year

Insurance rates for the Edge change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.

Below, you can compare average insurance premiums for the 2019 Ford Edge by model year.

Model year	Average annual premium
2014	$1,603
2015	$1,695
2016	$1,727
2017	$1,768
2018	$1,819
2019	$1,862
2020	$1,913
2021	$2,005
2022	$2,123
2023	$2,185
2024	$2,190

How expensive is it to insure a 2019 Ford Edge?

It costs an average of $1,862 per year to insure a 2019 Ford Edge, which is $357 less than the national average of $2,219.

Insurance premiums are influenced by many factors, including the vehicle’s make and model. The best way to find savings is to compare quotes from several insurers, ensuring you get coverage that balances affordability with solid protection for your 2019 Ford Edge.

Methodology

Insure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

2019 Ford Edge insurance premiums by state
Breaking down 2019 Ford Edge insurance cost by trim level
Factors that influence 2019 Ford Edge insurance premiums
Cheapest insurance companies for insuring a 2019 Ford Edge
How to lower 2019 Ford Edge insurance premiums
Edge insurance premiums by model year
How expensive is it to insure a 2019 Ford Edge?
Methodology