Finding the cheapest auto insurance for a Ford Edge is dependent upon a complex formula that considers things such as your age, if you have recent claims, and any prior driving offenses you have. Maryland drivers pay approximately $1,123 per year to insure their Edge, but that is an approximation calculated using a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
If we were betting, you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Each driver’s needs are different, and that demonstrates why the only real way to find cheap insurance rates for your Ford is to just compare rates yourself. In just a couple of minutes you can get rates from the best auto insurance companies available.
The trim level of your Edge tends to have a direct impact on the cost of coverage, so the price you will be charged to insure a Edge SE 2WD will be $176 less expensive the price to insure the more well-appointed Edge Sport AWD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $192 | $344 | $458 | $28 | $138 | $1,160 | $97 |
| Edge SE AWD | $192 | $418 | $458 | $28 | $138 | $1,234 | $103 |
| Edge SEL 2WD | $192 | $418 | $458 | $28 | $138 | $1,234 | $103 |
| Edge Limited 2WD | $192 | $418 | $458 | $28 | $138 | $1,234 | $103 |
| Edge SEL AWD | $192 | $418 | $458 | $28 | $138 | $1,234 | $103 |
| Edge Limited AWD | $220 | $492 | $458 | $28 | $138 | $1,336 | $111 |
| Edge Sport 2WD | $220 | $492 | $458 | $28 | $138 | $1,336 | $111 |
| Edge Sport AWD | $220 | $492 | $458 | $28 | $138 | $1,336 | $111 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in zip code location which can lower or raise premium rates substantially.
Choosing the highest-rated company is hard considering how many different companies there are to choose from in Maryland. The company information shown next can help you decide which insurers to look at when comparing auto insurance rates for a Ford Edge. These rankings are only made up of the largest companies in America, so smaller regional companies are not taken into consideration for this list.
Top 10 Large Car Insurance Companies in Baltimore Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Car Insurance Companies in Baltimore Ranked by Value
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
- Titan Insurance
Should you buy full coverage?
Reducing the cost of insurance is the goal of the majority of vehicle owners, and a great way to buy cheap insurance for a Ford Edge is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of car insurance costs with full coverage and liability only. The rate quotes are based on no violations or accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.
If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $2,473 per year over and above liability only. Many drivers may wonder if you should buy full coverage at all. There isn’t a steadfast formula of when to stop paying for full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
Get discounts on Baltimore car insurance rates
Insurers that offer cheap quotes for a Ford Edge may also provide policy discounts that could lower prices by 40% or more if you qualify for them. A few popular companies and some of their more popular discounts are:
- GEICO offers discounts including driver training, daytime running lights, seat belt use, multi-vehicle, and air bags.
- SAFECO may include discounts for safe driver, homeowner, teen safety rewards, bundle discounts, and accident prevention training.
- State Farm offers discounts for defensive driving training, multiple policy, safe vehicle, Drive Safe & Save, good driver, student away at school, and Steer Clear safe driver discount.
- MetLife has savings for claim-free, defensive driver, good student, good driver, accident-free, and multi-policy.
- 21st Century includes discounts for early bird, homeowners, teen driver, theft prevention, and air bags.
- Progressive has discounts for multi-vehicle, online quote discount, good student, continuous coverage, and multi-policy.
The example below shows the difference between car insurance rates with and without discounts applied to the rates. Data assumes a female driver, no claims or violations, Maryland state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, safe-driver, multiple vehicle, accident-free, passive restraint, and homeowner discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Ford Edge is 28% or $778.
How to find low-cost insurance for a Ford Edge
The list below details some penny-pinching suggestions that can help Baltimore drivers locate more affordable coverage.
- Drop full coverage on older vehicles
- Buy vehicles with five-star safety ratings
- Buying home and auto together can help save money
- Try paying for small claims out-of-pocket
- Tickets and violations raise rates
- Avoid at-fault accidents and claims
- Comparison shop frequently
That last piece of advice is especially valuable, as was noted in the prior article. Car insurance prices in Baltimore can change significantly in a year, so you should be ready to switch carriers if you can find a cheaper rate. We understand brand loyalty, but it’s not a great idea if that stubbornness costs you a fortune every year. Now is a great time to compare rates to find cheaper auto insurance for a Ford Edge.
The insurance agents in Baltimore listed below can most likely answer your questions and help you decide which policy is best, since lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for an Edge. It can be hard to find the best policy on your own, and professional agents can give satisfaction knowing you have adequate protection. To find a Baltimore insurance agent closest to you, click the link at the bottom.
Nationwide Insurance: Rodgers Insurance Agency Inc
6800 Holabird Ave a – Baltimore, MD 21222 – (410) 282-1379
Tom Nash – State Farm Insurance Agent
454 E Fort Ave – Baltimore, MD 21230 – (410) 727-4545
John C Bugg III – State Farm Insurance Agent
6711 Belair Rd – Baltimore, MD 21206 – (410) 661-4949