Finding cheap car insurance for a Ford Edge in Oregon hinges on a pretty complex algorithm that uses a lot of factors such as whether you are married or single, your residence address, and driving citations. Drivers pay on average $1,064 per year to insure their Edge, but that amount is an estimate based on a 30-year-old married female driver with full coverage and $100 deductibles.
It’s highly likely you are not 30 years old and maybe not even female, you might be single instead of married, and maybe you want different deductibles. Having even a minor difference in rating factors or requested coverage amount can make a large difference in the price of a policy.
The different assumptions illustrate why the only real way to find cheap car insurance rates for your Ford is to compare rates from as many companies as possible. To cut your rates now, get a free quote and you can get rates from some of the cheapest companies that sell coverage in Oregon.
The trim level of your Edge impacts the insurance rate, so the rate you pay to insure a Edge SE 2WD model will cost $208 less than the insurance cost for the fancier Edge Sport AWD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Edge SE 2WD | $232 | $400 | $326 | $20 | $98 | $1,076 | $90 |
| Edge SE AWD | $232 | $486 | $326 | $20 | $98 | $1,162 | $97 |
| Edge SEL 2WD | $232 | $486 | $326 | $20 | $98 | $1,162 | $97 |
| Edge Limited 2WD | $232 | $486 | $326 | $20 | $98 | $1,162 | $97 |
| Edge SEL AWD | $232 | $486 | $326 | $20 | $98 | $1,162 | $97 |
| Edge Limited AWD | $266 | $574 | $326 | $20 | $98 | $1,284 | $107 |
| Edge Sport 2WD | $266 | $574 | $326 | $20 | $98 | $1,284 | $107 |
| Edge Sport AWD | $266 | $574 | $326 | $20 | $98 | $1,284 | $107 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in specific Portland garaging location which can affect insurance rates substantially.
Selecting the right insurance company is difficult considering how many companies there are in Portland. The company information displayed below could help you choose which coverage providers to look at comparing rate quotes with. The rankings below only include major nationwide insurance companies, so smaller companies are not included in these rankings.
Top 10 Large Auto Insurance Providers in Portland Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
- Liberty Mutual
Top 10 Large Auto Insurance Providers in Portland Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Progressive – A+
- The General – A-
Types of discounts on Portland auto insurance rates
Insurance companies that provide coverage for a Ford Edge may also give you discounts that may potentially lower prices by 30% or more if you are eligible to receive them. A list of car insurance companies and their offered discounts can be read below.
- American Family may offer discounts for Steer into Savings, bundled insurance, defensive driver, good driver, air bags, and early bird.
- Nationwide offers premium reductions for multi-policy, family plan, accident-free, Farm Bureau membership, and business or organization.
- MetLife has discounts for defensive driver, good student, multi-policy, good driver, accident-free, and claim-free.
- 21st Century has savings for automatic seat belts, driver training, 55 and older, anti-lock brakes, good student, homeowners, and theft prevention.
- Farmers Insurance offers discounts including alternative fuel, good student, electronic funds transfer, distant student, early shopping, mature driver, and pay in full.
- Allstate offers discounts for passive restraint, new car, economy car, FullPay discount, premier plus, and eSmart discount.
The example below illustrates the difference between yearly insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no accidents, no driving violations, Oregon state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, defensive driving course, multiple vehicle, anti-theft, claim-free, and vehicle safety discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for a Ford Edge is 28% or $528.
How accidents and tickets impact rates
The ideal way to score affordable car insurance rates for an Edge is to drive attentively and avoid accidents and traffic citations. The information below shows how traffic citations and at-fault collisions can influence auto insurance costs for different ages of insureds. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of a car insurance policy in Oregon per year with no violations or accidents is $1,255. Add in two speeding tickets and the average cost hikes up to $1,717, an increase of $462 each year. Now get one accident along with the two speeding tickets and the yearly cost of car insurance for a Ford Edge jumps again to an average of $2,189. That’s an increase of $934, or $78 per month, just for not driving safely!
How to find economical car insurance for a Ford Edge
The list below shows many penny-pinching ideas that can help Oregon drivers locate cheap car insurance.
- Drive safely
- Save money by insuring older vehicles for liability only
- Maintaining good credit helps earn cheaper rates
- Raise your deductibles
- Prevent rate increases by staying accident-free
- Safe vehicles generally have lower rates
- Compare rates and switch if you can find a better deal
That last piece of advice is particularly necessary, as we emphasized in this write-up. Coverage prices in Portland adjust frequently, so don’t be afraid to switch carriers if a better deal can be had.
Brand loyalty is great, but it’s not recommended if that dedication is costing hundreds of dollars a year. In less than five minutes you could compare rates and find cheaper auto insurance for a Ford Edge.
If you have coverage questions and would like to get help from a professional when shopping for cheaper insurance for a Ford Edge, the agencies below can most likely provide answers to your questions and help you determine which is the best policy. To find a Portland insurance agency close to where you live, click the button at the bottom of the list.
State Farm: Jared Dean
101 SW Main St #915 – Portland, OR 97204 – (503) 222-6601
Steve Ching – State Farm Insurance Agent
1018 NW 13th Ave – Portland, OR 97209 – (503) 222-7771
Todd Houser – State Farm Insurance Agent
7515 SW Barnes Rd #101 – Portland, OR 97225 – (503) 297-3788
Elliott, Powell, Baden and Baker Inc
1521 SW Salmon St – Portland, OR 97205 – (503) 227-1771