Who Has Cheap Auto Insurance for a Ford Edge in Atlanta?

Finding cheap coverage for a Ford Edge in Georgia doesn’t take too much effort, but it depends on many rating factors such as your financial responsibility, your residence address, and driving violations and tickets. Drivers will pay on average $1,217 a year to insure their Edge, but that amount is calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.

If we were betting, you may not be 50 years old (or even female), maybe you are married instead of single, or you just prefer to insure for liability only. Each driver’s needs are different, and that demonstrates why the best way to find the most affordable coverage for your Ford is to just take the time to compare rates yourself.

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Your vehicle’s trim level will influence the insurance rate, so the rate you will pay to insure a Edge SE 2WD will be $214 less than the insurance cost for the more costly Edge Sport AWD trim level, as shown below.

Ford Edge Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Edge SE 2WD $228 $412 $444 $26 $134 $1,244 $104
Edge SE AWD $228 $502 $444 $26 $134 $1,334 $111
Edge SEL 2WD $228 $502 $444 $26 $134 $1,334 $111
Edge Limited 2WD $228 $502 $444 $26 $134 $1,334 $111
Edge SEL AWD $228 $502 $444 $26 $134 $1,334 $111
Edge Limited AWD $262 $592 $444 $26 $134 $1,458 $122
Edge Sport 2WD $262 $592 $444 $26 $134 $1,458 $122
Edge Sport AWD $262 $592 $444 $26 $134 $1,458 $122
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in zip code location which can change coverage rates considerably.

Determining which companies quote the best insurance rates for a Ford Edge takes a bit more work than just comparing rates from one or two companies. Every insurance company used slightly different criteria to determine rates, so we need to take a look at the most competitive insurance companies in Georgia.

It’s important that you understand Georgia insurance rates are influenced by many factors that can increase the price of your policy. Simply improving your credit, marrying your spouse, or getting a DUI can trigger price changes that can now make some companies cheaper in comparison to the competition.

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Cheapest Georgia auto insurance companies
Rank Company Cost Per Year
1 Auto-Owners $855
2 The Hartford $886
3 USAA $968
4 Central Mutual $1,193
5 MetLife $1,238
6 Georgia Farm Bureau $1,273
7 Travelers $1,279
8 Safeco $1,355
9 Country $1,391
10 State Farm $1,404
11 Mercury $1,411
12 Allied $1,424
13 California Casualty $1,561
14 Encompass $1,689
15 Progressive $1,791
16 Nationwide $1,883
17 Liberty Mutual $2,044
18 GEICO $2,231
19 Allstate $2,246
20 Victoria $2,585
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Auto-Owners has some of the most affordable car insurance rates in Atlanta at around $855 a year. This is $674 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also qualify as some of the more affordable Atlanta, GA car insurance companies.

As the example above demonstrates, if you are insured with The Hartford and switched to Auto-Owners, you might achieve annual savings of approximately $31. Georgia drivers with USAA could save as much as $113 a year, and Central Mutual insureds might lower prices by $338 a year.

It’s important to note that these premium estimates are averages across all drivers and vehicles and are not factoring in a specific location for a Ford Edge. So the auto insurance company that has the lowest price for you may not even be in the top 20 companies shown above. That helps illustrate why you need to get auto insurance quotes using your own personal information and vehicle type.

The information below highlights how deductible selection can affect insurance costs when researching cheap insurance for a Ford Edge. The rate quotes are based on a married female driver, full coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could pocket $364 a year by increasing from a $100 deductible to a $500 deductible, or save $546 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can save up to $898 annually just by choosing larger deductibles. When choosing a higher deductible, it will be required to have enough savings to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Insurance rates are higher with tickets and accidents

The recommended way to get low insurance prices for an Edge is to drive safe and avoid getting tickets or having accidents. The example below illustrates how violations and fender-benders can affect premium costs for different age groups of insureds. The costs are based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.

In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,228. Add in one speeding ticket and the average cost increases to $2,513, an increase of $285 each year. Then add two accidents along with the one speeding ticket and the annual cost of insurance for a Ford Edge jumps again to an average of $5,044. That’s an increase of $2,816, or $235 per month, just for not being attentive to the road!

If you have questions and prefer to get some help when shopping for the best coverage for a Ford Edge, the agents below can answer your questions and help you decide which car insurance company is the best fit.

To locate an Atlanta auto insurance agent close to you, click the button link following the list.

More insurance agents in Atlanta, GA

How to find more affordable auto insurance for a Ford Edge

It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help drivers get cheaper car insurance.

The last tip in the list is remarkably valuable, as we stressed in this piece. Car insurance rates in Atlanta vary greatly, so don’t be unwilling to buy from a new company if a cheaper rate is available.

Brand loyalty is great, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars a year. In just a few minutes you could compare prices and find cheaper auto insurance for a Ford Edge.