Ford Explorer vs. Edge Car Insurance Comparison

Does the Ford Explorer or Edge have cheaper car insurance rates? We break down both Ford midsize SUVs back to the 2015 model year to see which has the cheapest rates.

Start a Free QuoteCompare car insurance rates and save on your next policy.

  • A 2024 Ford Explorer has more affordable car insurance rates than a 2024 Ford Edge by an average of $90 per year, $2,124 compared to $2,214.
  • For a 2024 Ford Explorer, average full-coverage car insurance rates range from $1,856 to $2,262 per year, while insurance on a 2024 Ford Edge ranges from $2,132 to $2,316.
  • Out of 34 models in the 2024 midsize SUV segment, the Ford Explorer ranks eighth and the Ford Edge ranks 14th for car insurance affordability.

2024 Ford Explorer vs. Edge Insurance Cost

For the 2024 model year, the one with the cheapest average auto insurance rates is the Ford Explorer. Insurance rates on a Ford Explorer cost an average of $2,124 per year, while insurance for a Ford Edge averages $2,214 per year.

Out of 13 Ford Explorer trims, the cheapest 2024 trim level to insure is the XLT 2WD model at an average cost of $1,856 per year. The 2024 Ford Edge has five trim levels available, with the cheapest trim level to insure being the SE model at an average cost of $2,132 per year.

When all 18 trims of both models are combined and compared, the cheapest model and trim level is the Ford Explorer XLT 2WD at an average rate of $1,856 per year, and the most expensive model and trim level is the Ford Edge ST at an average cost of $2,316 per year.

The table below ranks the cost of car insurance for 2024 Ford Explorer and Ford Edge models, with average rates for each vehicle.

2024 Model Year Ford Explorer vs. Ford Edge Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,856$155
$1,920$160
$2,062$172
$2,092$174
$2,110$176
$2,132$178
$2,132$178
$2,132$178
$2,150$179
$2,152$179
$2,194$183
$2,220$185
$2,222$185
$2,228$186
$2,254$188
$2,258$188
$2,262$189
$2,316$193

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2024 Ford Explorer and a 2024 Ford Edge
Annual and monthly insurance cost by trim level for a 2024 Ford Explorer and a 2024 Ford Edge

The chart shown below displays the average cost to insure both 2024 models for drivers from age 20 to 50. For a 2024 Ford Explorer, insurance cost ranges from $1,882 to $4,290 per year. A 2024 Ford Edge costs from $1,958 to $4,486 to insure per year.

Average car insurance premiums for 2024 Ford Explorer and Ford Edge models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Rates based on a 2024 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$6,603$6,921
20-Year-Old$4,290$4,486
25-Year-Old$2,466$2,574
30-Year-Old$2,266$2,364
40-Year-Old$2,124$2,214
50-Year-Old$1,882$1,958
60-Year-Old$1,762$1,836

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 26, 2025

The next two tables illustrate all the available trims for both 2024 models, plus the average rate for each model. The 2024 Ford Explorer can declare victory over the 2024 Ford Edge for cheapest car insurance rates.

2024 Ford Explorer

$2,124

Insurance Rates by Trim Level for a 2024 Ford Explorer
2024 Ford Explorer TrimsRate
XLT 2WD$1,856
XLT 4WD1,920
ST-Line 2WD2,062
Limited 2WD2,092
ST-Line 4WD2,110
Limited 4WD2,132
Timberline 4WD2,132
ST 2WD2,152
ST 4WD2,194
Platinum 2WD2,220
King Ranch 2WD2,228
Platinum 4WD2,258
King Ranch 4WD2,262
2024 Ford Explorer Average Rate$2,124

2024 Ford Edge

$2,214

Insurance Rates by Trim Level for 2024 Ford Explorer
2024 Ford Edge TrimsRate
SE$2,132
SEL2,150
ST-Line2,222
Titanium2,254
ST2,316
2024 Ford Edge Average Rate$2,214

2023 Ford Explorer vs. Ford Edge

Insurance on a 2023 Ford Explorer averages $1,950 per year, whereas insurance for a 2023 Ford Edge costs an average of $1,932 per year, making the Ford Edge the winner by $18 per year.

Within each different model, however, rates vary significantly for each of the different trim levels. For a 2023 Ford Explorer, average insurance prices range from the cheapest rate of $1,768 per year for the $38,570 XLT 2WD model up to $2,026 for the $56,075 King Ranch 4WD model. For a 2023 Ford Edge, insurance rates range from $1,850 annually for the SE model up to $2,012 for the most expensive to insure ST model.

When comparing both models, the most affordable model and trim level is the Ford Explorer XLT 2WD at an average of $1,768 per year. The most expensive vehicle to insure is the Ford Explorer King Ranch 4WD at an average of $2,026 per year.

For a 2023 Ford Explorer, the cheapest models are the XLT 2WD, XLT 4WD, and ST-Line 2WD. The cheapest Ford Edge models include the SE, SEL, and Titanium.

From a cost-per-month basis, car insurance rates for all 2023 Ford Explorer and Ford Edge trim levels range from $147 to $169 per month.

The next chart illustrates average Ford Explorer and Ford Edge car insurance rates for the 2023 model year by driver age.

2023 Model Year Ford Explorer vs. Ford Edge Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,768$147
$1,808$151
$1,850$154
$1,884$157
$1,898$158
$1,918$160
$1,932$161
$1,936$161
$1,944$162
$1,944$162
$1,956$163
$1,956$163
$1,958$163
$1,978$165
$1,982$165
$1,992$166
$1,998$167
$2,006$167
$2,012$168
$2,012$168
$2,018$168
$2,026$169

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2023 Ford Explorer and a 2023 Ford Edge
Annual and monthly insurance cost by trim level for a 2023 Ford Explorer and a 2023 Ford Edge

The next chart displays the average cost to insure both models using different driver ages. The average car insurance cost ranges from $1,718 to $3,872 per year for a 2023 Ford Explorer, and $1,708 to $3,862 for a 2023 Ford Edge for the driver ages used.

Average car insurance premiums for 2023 Ford Explorer and Ford Edge models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$5,952$5,939
20-Year-Old$3,872$3,862
25-Year-Old$2,264$2,244
30-Year-Old$2,090$2,066
40-Year-Old$1,950$1,932
50-Year-Old$1,718$1,708
60-Year-Old$1,608$1,598

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 26, 2025

Out of 17 trim levels for the 2023 Ford Explorer, the cheapest auto insurance rates are on the XLT 2WD trim at a cost of $1,768 per year.

The 2023 Ford Edge has five trims available, with the cheapest model to insure being the SE trim at an average cost of $1,850 per year.

When comparing both models at a trim-level basis, the cheapest model and trim level to insure is the Ford Explorer XLT 2WD at a cost of $1,768 per year. The highest-cost model and trim is the Ford Explorer King Ranch 4WD at an average of $2,026 per year.

The rate tables below show average car insurance cost by trim level for each 2023 model, plus the average rate for each model. The model with the cheapest car insurance rates for 2023 is the Ford Edge.

2023 Ford Explorer

$1,950

Insurance Rates by Trim Level for a 2023 Ford Explorer
2023 Ford Explorer TrimsRate
XLT 2WD$1,768
XLT 4WD1,808
ST-Line 2WD1,898
Limited 2WD1,918
ST-Line 4WD1,932
Base 2WD1,936
Limited 4WD1,944
Timberline 4WD1,944
ST 2WD1,958
ST 4WD1,978
Base 4WD1,982
Limited Hybrid 2WD1,992
Platinum 2WD1,998
King Ranch 2WD2,006
Limited Hybrid 4WD2,012
Platinum 4WD2,018
King Ranch 4WD2,026
2023 Ford Explorer Average Rate$1,950

2023 Ford Edge

$1,932

Insurance Rates by Trim Level for 2023 Ford Explorer
2023 Ford Edge TrimsRate
SE$1,850
SEL1,884
Titanium1,956
ST-Line1,956
ST2,012
2023 Ford Edge Average Rate$1,932

2022 Ford Explorer vs. Edge Insurance

When comparing insurance rates for the 2022 Ford Explorer and Ford Edge models, the Ford Edge is cheaper to insure by an average of $84 per year for 2022.

The rate chart below demonstrates the average cost to insure both models rated for different driver ages. For a 2022 Ford Explorer, average car insurance cost ranges from $1,776 to $4,020 per year for the illustrated age groups. A 2022 Ford Edge costs from $1,702 to $3,852 to insure per year.

Average car insurance premiums for 2022 Ford Explorer and Ford Edge models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2022 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$6,182$5,924
20-Year-Old$4,020$3,852
25-Year-Old$2,332$2,238
30-Year-Old$2,146$2,058
40-Year-Old$2,010$1,926
50-Year-Old$1,776$1,702
60-Year-Old$1,664$1,596

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 27, 2025

The 2022 Ford Explorer has 15 trim levels available, with the cheapest trim to insure being the XLT 2WD model at an average cost of $1,850 per year. For the five trims available for the Ford Edge, the cheapest 2022 trim to insure is the SE model at a cost of $1,806.

When insurance prices for all 20 trim levels for both 2022 models are compared, the most affordable model and trim level to insure is the Ford Edge SE at an average cost of $1,806 per year, and the most expensive trim is the Ford Explorer Platinum 4WD costing an average of $2,126 per year.

The two tables below show the cost to insure the available trim levels for both 2022 models, along with the average rate for each model. The model with the cheapest overall car insurance cost for 2022 is the Ford Edge.

2022 Ford Explorer

$2,010

Insurance Rates by Trim Level for a 2022 Ford Explorer
2022 Ford Explorer TrimsRate
XLT 2WD$1,850
2WD1,886
XLT 4WD1,888
4WD1,932
ST 2WD1,992
ST-Line 2WD2,002
Limited 2WD2,008
Timberline 4WD2,020
ST-Line 4WD2,028
Limited 4WD2,034
ST 4WD2,054
King Ranch 2WD2,100
Platinum 2WD2,106
King Ranch 4WD2,120
Platinum 4WD2,126
2022 Ford Explorer Average Rate$2,010

2022 Ford Edge

$1,926

Insurance Rates by Trim Level for 2022 Ford Explorer
2022 Ford Edge TrimsRate
SE$1,806
SEL1,882
Titanium1,948
ST-Line1,982
ST2,014
2022 Ford Edge Average Rate$1,926

2021 Ford Explorer vs. Edge Insurance

For 2021 Ford Explorer and Ford Edge models, the Ford Edge has lower-cost car insurance by an average of $276 per year for this comparison year.

The chart below displays the average cost to insure both models using different driver ages. The average car insurance cost ranges from $1,824 to $4,132 per year for a 2021 Ford Explorer, and $1,570 to $3,580 for a 2021 Ford Edge for the age groups used in the chart.

Average car insurance premiums for 2021 Ford Explorer and Ford Edge models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$6,348$5,526
20-Year-Old$4,132$3,580
25-Year-Old$2,390$2,074
30-Year-Old$2,196$1,912
40-Year-Old$2,058$1,782
50-Year-Old$1,824$1,570
60-Year-Old$1,706$1,470

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

The 2021 Ford Explorer has 13 trim levels available, with the cheapest trim to insure being the 2WD trim at an average cost of $1,808 per year. Out of the seven trim levels available for the Ford Edge, the cheapest 2021 trim to insure is the SE 2WD model at a cost of $1,654 per year, or around $138 per month.

When average car insurance prices for all 20 trim levels for both vehicles are compared, the cheapest trim to insure is the Ford Edge SE 2WD at an average cost of $1,654 per year, and the most expensive model and trim level is the Ford Explorer Platinum 4WD costing an average of $2,212 per year.

The next two rate tables display trim level insurance rates for each 2021 model, including an overall average rate. The model with the cheapest average car insurance rates for 2021 is the Ford Edge.

2021 Ford Explorer

$2,058

Insurance Rates by Trim Level for a 2021 Ford Explorer
2021 Ford Explorer TrimsRate
2WD$1,808
4WD1,872
XLT 2WD1,936
XLT 4WD1,936
Police 4WD2,000
Limited 2WD2,066
Timberline 4WD2,110
Limited 4WD2,128
ST 4WD2,128
King Ranch 2WD2,174
King Ranch 4WD2,194
Platinum 2WD2,194
Platinum 4WD2,212
2021 Ford Explorer Average Rate$2,058

2021 Ford Edge

$1,782

Insurance Rates by Trim Level for 2021 Ford Explorer
2021 Ford Edge TrimsRate
SE 2WD$1,654
SE AWD1,740
SEL 2WD1,740
SEL AWD1,804
Titanium 2WD1,804
ST AWD1,868
Titanium AWD1,868
2021 Ford Edge Average Rate$1,782

2020 Ford Explorer vs. Edge Insurance

For 2020 Ford Explorer and Ford Edge models, the Ford Edge is cheaper to insure by an average of $234 per year.

The chart below displays the average cost to insure both models rated for drivers aged 20 to 50. Average insurance cost ranges from $1,740 to $3,930 per year for a 2020 Ford Explorer, and $1,518 to $3,462 for a 2020 Ford Edge for the included driver ages.

Average car insurance premiums for 2020 Ford Explorer and Ford Edge models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2020 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$6,033$5,340
20-Year-Old$3,930$3,462
25-Year-Old$2,272$2,006
30-Year-Old$2,088$1,848
40-Year-Old$1,958$1,724
50-Year-Old$1,740$1,518
60-Year-Old$1,628$1,426

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 26, 2025

For the nine trim levels available for the 2020 Ford Explorer, the cheapest trim to insure is the 2WD model at an average cost of $1,768 per year.

For the seven trims available for the Ford Edge, the cheapest 2020 trim level to insure is the SE 2WD trim at a cost of $1,602 per year, or $134 per month.

When rates for all 16 trim levels for both 2020 models are compared, the lowest-cost model and trim level to insure is the Ford Edge SE 2WD at an average cost of $1,602 per year. The most expensive vehicle to insure is the Ford Explorer Platinum 4WD costing an average of $2,138 per year.

The tables shown below display trim level insurance cost averages for both 2020 models, as well as the overall average rate for each model.

2020 Ford Explorer

$1,958

Insurance Rates by Trim Level for a 2020 Ford Explorer
2020 Ford Explorer TrimsRate
2WD$1,768
4WD1,828
XLT 2WD1,890
XLT 4WD1,890
Police 4WD1,952
Limited 2WD2,014
Limited 4WD2,076
ST 4WD2,076
Platinum 4WD2,138
2020 Ford Explorer Average Rate$1,958

2020 Ford Edge

$1,724

Insurance Rates by Trim Level for 2020 Ford Explorer
2020 Ford Edge TrimsRate
SE 2WD$1,602
SE AWD1,682
SEL 2WD1,682
SEL AWD1,744
Titanium 2WD1,744
ST AWD1,806
Titanium AWD1,806
2020 Ford Edge Average Rate$1,724

2019 Ford Explorer vs. Edge Insurance

When comparing average insurance rates for the 2019 Ford Explorer and Ford Edge models, the Ford Edge is cheaper by an average of $104 per year for this model year.

The chart shown below visualizes the average cost to insure the two models using different driver ages. For a 2019 Ford Explorer, insurance cost ranges from $1,672 to $3,802 per year for these driver ages. A 2019 Ford Edge costs from $1,572 to $3,616 to insure per year.

Average car insurance premiums for 2019 Ford Explorer and Ford Edge models for different driver ages.
Figure 6: Average car insurance premiums for 2019 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2019 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2019 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$5,847$5,594
20-Year-Old$3,802$3,616
25-Year-Old$2,188$2,070
30-Year-Old$2,006$1,902
40-Year-Old$1,884$1,780
50-Year-Old$1,672$1,572
60-Year-Old$1,566$1,478

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2019 model year. Updated June 27, 2025

Out of eight Ford Explorer trims, the cheapest 2019 model to insure is the 2WD trim at an average cost of $1,744 per year.

The 2019 Ford Edge has seven trims available, with the cheapest trim to insure being the SE 2WD trim at an average cost of $1,634 per year.

When average car insurance prices for all 15 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Ford Edge SE 2WD at an average cost of $1,634 per year, and the most expensive trim is the Ford Explorer Platinum 4WD at an average of $2,040 per year.

The next two tables illustrate average car insurance rates for each trim level, plus an average rate for each model. The model with the cheapest auto insurance rates for 2019 is the Ford Edge.

2019 Ford Explorer

$1,884

Insurance Rates by Trim Level for a 2019 Ford Explorer
2019 Ford Explorer TrimsRate
2WD$1,744
4WD1,804
XLT 2WD1,804
XLT 4WD1,864
Limited 2WD1,920
Limited 4WD1,920
Sport 4WD1,980
Platinum 4WD2,040
2019 Ford Explorer Average Rate$1,884

2019 Ford Edge

$1,780

Insurance Rates by Trim Level for 2019 Ford Explorer
2019 Ford Edge TrimsRate
SE 2WD$1,634
SE AWD1,694
SEL 2WD1,768
SEL AWD1,768
Titanium 2WD1,828
ST AWD1,888
Titanium AWD1,888
2019 Ford Edge Average Rate$1,780

2018 Ford Explorer vs. Edge Insurance

When comparing insurance rates for the 2018 Ford Explorer and Ford Edge models, the Ford Edge has cheaper rates by an average of $116 per year for this comparison year.

The rate chart below visualizes the average cost to insure both models using a range of rated driver ages. Average insurance cost ranges from $1,588 to $3,594 per year for a 2018 Ford Explorer, and $1,478 to $3,384 for a 2018 Ford Edge for the included age groups.

Average car insurance premiums for 2018 Ford Explorer and Ford Edge models for different driver ages.
Figure 7: Average car insurance premiums for 2018 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2018 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2018 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$5,523$5,231
20-Year-Old$3,594$3,384
25-Year-Old$2,072$1,942
30-Year-Old$1,900$1,782
40-Year-Old$1,786$1,670
50-Year-Old$1,588$1,478
60-Year-Old$1,486$1,388

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2018 model year. Updated June 27, 2025

The 2018 Ford Explorer has nine trim levels available, with the cheapest trim level to insure being the 2WD model at an average cost of $1,668 per year, or about $139 per month. For the seven trims available for the Ford Edge, the cheapest 2018 model to insure is the SE 2WD model at a cost of $1,556 per year, or $130 per month.

When all 16 trims of both models are combined and compared, the cheapest model and trim level to insure is the Ford Edge SE 2WD at an average rate of $1,556 per year. The most expensive trim is the Ford Explorer Platinum 4WD costing $1,946 per year.

The next tables show the cost to insure the available trim levels for both 2018 models, plus an average rate for each model.

2018 Ford Explorer

$1,786

Insurance Rates by Trim Level for a 2018 Ford Explorer
2018 Ford Explorer TrimsRate
2WD$1,668
Police Edition 4WD1,668
4WD1,724
XLT 2WD1,724
XLT 4WD1,780
Limited 2WD1,836
Limited 4WD1,836
Sport 4WD1,892
Platinum 4WD1,946
2018 Ford Explorer Average Rate$1,786

2018 Ford Edge

$1,670

Insurance Rates by Trim Level for 2018 Ford Explorer
2018 Ford Edge TrimsRate
SE 2WD$1,556
SE AWD1,614
SEL 2WD1,614
SEL AWD1,684
Titanium 2WD1,684
Titanium AWD1,742
Sport AWD1,796
2018 Ford Edge Average Rate$1,670

2017 Ford Explorer vs. Edge Insurance

When comparing car insurance rates for 2017 models, a Ford Explorer costs an average of $1,714 per year to insure and a Ford Edge costs $1,606, making the Ford Edge cheaper to insure by $108 per year for this comparison year.

The next chart demonstrates the average cost to insure the two models for four different driver age groups. For a 2017 Ford Explorer, the average cost of car insurance ranges from $1,524 to $3,444 per year for the age groups used in the chart. A 2017 Ford Edge costs from $1,424 to $3,256 to insure per year.

Average car insurance premiums for 2017 Ford Explorer and Ford Edge models for different driver ages.
Figure 8: Average car insurance premiums for 2017 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2017 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2017 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$5,290$5,028
20-Year-Old$3,444$3,256
25-Year-Old$1,984$1,868
30-Year-Old$1,822$1,714
40-Year-Old$1,714$1,606
50-Year-Old$1,524$1,424
60-Year-Old$1,426$1,336

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2017 model year. Updated June 27, 2025

Out of nine Ford Explorer trim levels, the cheapest 2017 trim to insure is the 2WD model at an average cost of $1,610 per year, or about $134 per month. For the seven trims available for the Ford Edge, the cheapest 2017 trim level to insure is the SE 2WD model at a cost of $1,498.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Ford Edge SE 2WD at an average rate of $1,498 per year, and the overall most expensive vehicle to insure is the Ford Explorer Platinum 4WD costing an average of $1,872 per year.

The rate tables below show average cost to insure each trim level for a 2017 Ford Explorer and Ford Edge, plus an average rate for each model. The 2017 Ford Edge takes the win over the 2017 Ford Explorer for the cheapest average car insurance rates.

2017 Ford Explorer

$1,714

Insurance Rates by Trim Level for a 2017 Ford Explorer
2017 Ford Explorer TrimsRate
2WD$1,610
Police Edition 4WD1,610
4WD1,662
XLT 2WD1,662
XLT 4WD1,662
Limited 2WD1,768
Limited 4WD1,768
Sport 4WD1,820
Platinum 4WD1,872
2017 Ford Explorer Average Rate$1,714

2017 Ford Edge

$1,606

Insurance Rates by Trim Level for 2017 Ford Explorer
2017 Ford Edge TrimsRate
SE 2WD$1,498
SE AWD1,550
SEL 2WD1,562
SEL AWD1,620
Titanium 2WD1,630
Titanium AWD1,672
Sport AWD1,724
2017 Ford Edge Average Rate$1,606

2016 Ford Explorer vs. Edge Insurance

When comparing insurance cost for 2016 models, the Ford Explorer costs an average of $1,772 per year to insure and the Ford Edge costs $1,628, making the Ford Edge the winner by $144 for the 2016 comparison year.

The chart shown below displays the average cost to insure both 2016 models using drivers aged 20 to 50. For a 2016 Ford Explorer, the average car insurance cost ranges from $1,580 to $3,584 per year for these driver ages. A 2016 Ford Edge costs from $1,450 to $3,282 to insure per year.

Average car insurance premiums for 2016 Ford Explorer and Ford Edge models for different driver ages.
Figure 9: Average car insurance premiums for 2016 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2016 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2016 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$5,507$5,037
20-Year-Old$3,584$3,282
25-Year-Old$2,054$1,884
30-Year-Old$1,876$1,728
40-Year-Old$1,772$1,628
50-Year-Old$1,580$1,450
60-Year-Old$1,478$1,356

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2016 model year. Updated June 26, 2025

Out of nine Ford Explorer trims, the cheapest 2016 trim to insure is the 2WD trim at an average cost of $1,686 per year, or about $141 per month. Out of the seven trims available for the Ford Edge, the cheapest 2016 trim level to insure is the SE 2WD trim at a cost of $1,536 per year, or around $128 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Ford Edge SE 2WD at a cost of $1,536 per year, and the highest-cost model and trim level is the Ford Explorer Platinum 4WD costing $1,928 per year.

The next tables display the average cost to insure all 2016 trim levels, plus the average rate for each model. The 2016 Ford Edge is the winner over the 2016 Ford Explorer for cheapest car insurance rates.

2016 Ford Explorer

$1,772

Insurance Rates by Trim Level for a 2016 Ford Explorer
2016 Ford Explorer TrimsRate
2WD$1,686
4WD1,686
Police Edition 4WD1,686
XLT 2WD1,734
XLT 4WD1,734
Limited 2WD1,830
Limited 4WD1,830
Sport 4WD1,830
Platinum 4WD1,928
2016 Ford Explorer Average Rate$1,772

2016 Ford Edge

$1,628

Insurance Rates by Trim Level for 2016 Ford Explorer
2016 Ford Edge TrimsRate
SE 2WD$1,536
SE AWD1,586
SEL 2WD1,586
SEL AWD1,634
Titanium 2WD1,634
Titanium AWD1,682
Sport AWD1,730
2016 Ford Edge Average Rate$1,628

2015 Ford Explorer vs. Edge Insurance

When comparing insurance rates for 2015 models, a Ford Explorer costs an average of $1,594 per year to insure and a Ford Edge costs $1,542, making the Ford Edge cheaper to insure by $52 per year for this comparison year.

The chart below illustrates the average cost to insure the two models using drivers aged 20 to 50. For a 2015 Ford Explorer, average car insurance cost ranges from $1,428 to $3,206 per year for the included age groups. A 2015 Ford Edge costs from $1,378 to $3,112 to insure per year.

Average car insurance premiums for 2015 Ford Explorer and Ford Edge models for different driver ages.
Figure 10: Average car insurance premiums for 2015 Ford Explorer and Ford Edge models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2015 model year Ford Explorer and Ford Edge. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2015 Ford Explorer vs. Ford Edge Insurance Cost
Driver Age Ford Explorer Ford Edge
18-Year-Old$4,906$4,774
20-Year-Old$3,206$3,112
25-Year-Old$1,844$1,786
30-Year-Old$1,684$1,636
40-Year-Old$1,594$1,542
50-Year-Old$1,428$1,378
60-Year-Old$1,334$1,290

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2015 model year. Updated June 27, 2025

For the eight trim levels available for the 2015 Ford Explorer, the cheapest trim to insure is the 2WD trim at an average cost of $1,544 per year.

The 2015 Ford Edge has eight trims available, with the cheapest trim level to insure being the SE 2WD trim at an average cost of $1,452 per year, or about $121 per month.

When looking at the aggregated rates by trim for both models, the most affordable model and trim level to insure is the Ford Edge SE 2WD at an average rate of $1,452 per year, and the most expensive vehicle to insure is the Ford Explorer Sport 4WD at a cost of $1,678 per year.

The rate tables below illustrate average car insurance rates for every trim level for both 2015 models, including the average rate for each model. The 2015 Ford Edge has cheaper overall car insurance rates than the 2015 Ford Explorer.

2015 Ford Explorer

$1,594

Insurance Rates by Trim Level for a 2015 Ford Explorer
2015 Ford Explorer TrimsRate
2WD$1,544
4WD1,544
Police Edition 4WD1,544
XLT 2WD1,544
XLT 4WD1,590
Limited 2WD1,634
Limited 4WD1,678
Sport 4WD1,678
2015 Ford Explorer Average Rate$1,594

2015 Ford Edge

$1,542

Insurance Rates by Trim Level for 2015 Ford Explorer
2015 Ford Edge TrimsRate
SE 2WD$1,452
SE AWD1,496
SEL 2WD1,496
SEL AWD1,542
Titanium 2WD1,542
Sport 2WD1,588
Titanium AWD1,588
Sport AWD1,632
2015 Ford Edge Average Rate$1,542

Additional Ford Explorer and Ford Edge Resources