How Much Does Insurance Cost for a Ford Edge in Virginia?

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” should not appear anywhere in the article to describe car insurance prices. Be that as it may, cheap car insurance for a Ford Edge can seem impossible to find. But don’t let that discourage you, because we are going to tell you how you can get insurance that is affordable.

Your chances of buying cheap auto insurance for a Ford Edge in Virginia depends upon a complex equation that considers factors like your age, your credit status, and citations on your driving record. Drivers on average will pay $770 each year for Edge insurance, but that cost is a ballpark figure that uses a 30-year-old single female driver with full coverage and $1,000 policy deductibles.

There is a high probability that you are not 30 and possibly not even female, maybe you are married instead of single, or maybe you have a teenager that needs to be on your policy. Even a slight change in rating criteria or coverage limits can generate big changes in quoted rates.

This demonstrates why the way we recommend to find the cheapest rates for your Ford is to make a habit of comparing prices at least once a year. Price quotes are quick and you will receive price comparisons from top-rated car insurance companies that offer coverage in Virginia.

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The specific model of Edge will be a contributing factor to the cost of coverage, so the price you pay to insure a Edge SE 2WD will be $110 less expensive the price to insure the higher-end Edge Sport AWD model, as shown in the table below.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can decrease or increase coverage prices greatly.

Deciding which company offers the cheapest car insurance rates for a Ford Edge calls for more time in order to find the best price. Every insurance provider has their own guidelines to set policy rates, so we’ll take a look at the most affordable car insurance companies in Virginia.

Best Car Insurance Prices for Your Edge

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Travelers may offer some of the cheapest car insurance rates in Virginia at around $653 annually. USAA, Penn National, Cincinnati Insurance, and The Hartford would also make the list of some of the most economical Virginia auto insurance companies.

As shown above, if you currently have coverage with USAA and switched to Travelers, you could see yearly savings of roughly $56. Virginia drivers with Penn National may save as much as $95 a year, and Cincinnati Insurance customers might cut rates by $102 a year.

To compare your rates to other Virginia insurance companies, click here to start your custom quote or visit several of the following companies.

Be aware that those rates are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Ford Edge. So the insurer that has the cheapest rates for you may not even be in the list of companies above. That points out the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

How to get discounts on Virginia auto insurance

Car insurance companies that provide cheap insurance for a Ford Edge in Virginia may also provide premium discounts that could potentially reduce rates by as much as 35% if you are eligible. Larger car insurance companies and some of the discounts are included below.

The illustration below illustrates the difference between insurance costs with and without policy discounts. The premiums are based on a female driver, no violations or claims, Virginia state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, passive restraint, defensive driving course, safe-driver, vehicle safety, and multiple policy discounts applied. In this example, the average savings per year on car insurance for a Ford Edge is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2159,1553],[‘Age 30’, 1471,1069],[‘Age 40’, 1373,995],[‘Age 50’, 1199,873],[‘Age 60’, 1163,843],[‘Age 70’, 1367,983]]);var options = {title: ‘Insurance Premium Comparison for a Ford Edge’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Edge’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Compare quotes and save

Virginia car insurance rates are impacted by many things that control the cost of having a policy. Improving your credit score, buying higher coverage limits, or getting a driving violation may generate price changes resulting in some companies being more affordable than before. In addition, insurance companies change their prices at least once a year to reflect underwriting profits or losses. An extended period of higher than normal claims can result in a rate increase, while long-term profits can produce cheaper Edge insurance rates.

The chart below shows the companies that have the cheapest car insurance in Virginia for a 30-year-old female driver with a clean driving record, no accidents, and solid credit. If we estimate rates based on her current rating profile, Travelers has the best car insurance rates in Virginia at $679 per year. This is $479 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also make the list of the top five cheapest Virginia auto insurance companies.

google.charts.setOnLoadCallback(drawVAWitcqcibChart);function drawVAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 679, ‘#528E00’],[‘USAA’, 695, ‘#447600’],[‘Penn National’, 718, ‘#386200’],[‘Cincinnati Insurance’, 741, ‘#2E5100’],[‘Auto-Owners’, 765, ‘#264300’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Edge’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:865,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will pretend the driver from the first example some claims, a little lower credit rating, and a blemish on her driving record. Since every car insurance company uses their own method to determine rates, comparing insurance quotes most likely will result in a different list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawVAWcqcibChart);function drawVAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Utica National’, 866.8, ‘#F57E00’],[‘Erie’, 884.4, ‘#CC6900’],[‘Virginia Farm Bureau’, 908.6, ‘#AA5700’],[‘Donegal Mutual’, 946, ‘#8D4800’],[‘Nationwide’, 1048.3, ‘#753C00’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1148.3,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Utica National now has the best auto insurance rate in Virginia with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide also having competitive pricing. This demonstrates why drivers need to compare rates to find affordable auto insurance rates for a Ford Edge.

Auto insurance prices are impacted by many different factors and can change without notice, so the cheapest rate the last time you compared rates may now be quite expensive.

Tips to find cheaper auto insurance for a Ford Edge

It is possible to find better rates, and here are a few penny-pinching solutions that can help you get low-cost car insurance.

• Good credit can save money
• Frequent claims may make car insurance unaffordable
• Be a cautious driver
• Being accident-free can lower rates significantly
• Buy safe vehicles
• Shop your coverage around for the best deal

That last piece of advice is notably valuable, as was emphasized in the prior article. Coverage prices fluctuate considerably, so don’t hesitate to switch to a new company if you find a cheaper price.

Staying with the same company for years is fine, but is isn’t recommended if that loyalty ends up costing a considerable chunk of change every month. If you have a few minutes, shop around and find cheaper insurance for a Ford Edge.