How Much is Insurance for a Ford Edge in Arizona?

How Much is Insurance for a Ford Edge in Arizona?

Buying affordable car insurance for a Ford Edge in Arizona is dependent upon a complicated rating formula that uses factors such as if you have purchased a home, if you have ever let your coverage lapse, and your policy deductibles. Drivers will pay on average $1,260 per year to insure a Ford Edge, but that is a valuation based on cost data for a 30-year-old single female driver that includes full coverage including both comprehensive and collision and $100 deductibles.

Most likely you are not 30 and possibly not even female, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Different coverage needs are the reason why the way we recommend to find the cheapest rates for your Ford is to just take the time to compare rates yourself.

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The specific model of Edge impacts price, so the price you will be charged to insure a Edge SE 2WD trim level will cost $242 less than the cost to insure the higher-priced Edge Sport AWD model, as shown below.

Ford Edge Insurance Rates in Arizona
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $250 $470 $404 $24 $122 $1,270 $106
Edge SE AWD $250 $574 $404 $24 $122 $1,374 $115
Edge SEL 2WD $250 $574 $404 $24 $122 $1,374 $115
Edge Limited 2WD $250 $574 $404 $24 $122 $1,374 $115
Edge SEL AWD $250 $574 $404 $24 $122 $1,374 $115
Edge Limited AWD $286 $676 $404 $24 $122 $1,512 $126
Edge Sport 2WD $286 $676 $404 $24 $122 $1,512 $126
Edge Sport AWD $286 $676 $404 $24 $122 $1,512 $126
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can alter coverage prices considerably.

Arizona car insurance companies ranked

Buying coverage from a high-quality auto insurance provider can be rather challenging considering how many companies sell insurance in Arizona. The company information in the lists below may help you analyze which insurers to look at when comparing rate quotes.

The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Arizona are not included in these rankings. If you’d like to compare prices from these and other companies in Arizona, just click here.

Arizona Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: Insure.com Best Car Insurance Companies

Liability-only versus full coverage

Finding cheap insurance for a Ford Edge in Arizona is probably important to the majority of drivers, and one way to save on the cost of insurance is to not insure for full coverage. The example below shows the comparison of insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied.

As an average, full coverage on your policy costs an additional $1,780 per year more than insuring for liability only. A very common question is if buying full coverage is a good investment. There is no exact formula to drop comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If premiums are more than $800 a year for full coverage, then you might want to think about dropping full coverage.

How to find cheaper car insurance for a Ford Edge

Here are some money-saving solutions that can help drivers buy low-cost coverage.

  • Insure your home and auto with the same company
  • Don’t have frequent claims
  • Increase your deductibles
  • Good credit scores may make rates cheaper
  • Remain accident-free and save
  • Drive safely
  • Comparison shop at least every other year

The last tip in the list is extraordinarily valuable, as we stressed in the prior article. Coverage rates in Arizona change frequently, so drivers shouldn’t be resistant to buy from a new company if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that faithfulness ends up costing you several hundred dollars every year. Now is a great time to compare rates and find cheaper car insurance for a Ford Edge.