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.

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  • A 2024 Ford Explorer has more affordable car insurance rates than a 2024 Ford Edge by an average of $94 per year, $2,176 compared to $2,270.
  • For a 2024 Ford Explorer, average full-coverage car insurance rates range from $1,902 to $2,316 per year, while insurance on a 2024 Ford Edge ranges from $2,186 to $2,372.
  • 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 $2,176 per year, while insurance for a Ford Edge averages $2,270 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 $1,902 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 $2,186 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 $1,902 per year, and the most expensive model and trim level is the Ford Edge ST at an average cost of $2,372 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
$1,902$159
$1,968$164
$2,114$176
$2,144$179
$2,164$180
$2,184$182
$2,184$182
$2,186$182
$2,202$184
$2,208$184
$2,246$187
$2,276$190
$2,276$190
$2,284$190
$2,308$192
$2,312$193
$2,316$193
$2,372$198

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 October 24, 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 $1,928 to $4,394 per year. A 2024 Ford Edge costs from $2,008 to $4,596 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 October 24, 2025.

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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$6,766$7,090
20-Year-Old$4,394$4,596
25-Year-Old$2,528$2,636
30-Year-Old$2,322$2,422
40-Year-Old$2,176$2,270
50-Year-Old$1,928$2,008
60-Year-Old$1,806$1,882

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 October 24, 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

$2,176

Insurance Rates by Trim Level for a 2024 Ford Explorer
2024 Ford Explorer TrimsRate
XLT 2WD$1,902
XLT 4WD1,968
ST-Line 2WD2,114
Limited 2WD2,144
ST-Line 4WD2,164
Limited 4WD2,184
Timberline 4WD2,184
ST 2WD2,208
ST 4WD2,246
Platinum 2WD2,276
King Ranch 2WD2,284
Platinum 4WD2,312
King Ranch 4WD2,316
2024 Ford Explorer Average Rate$2,176

2024 Ford Edge

$2,270

Insurance Rates by Trim Level for 2024 Ford Explorer
2024 Ford Edge TrimsRate
SE$2,186
SEL2,202
ST-Line2,276
Titanium2,308
ST2,372
2024 Ford Edge Average Rate$2,270

2023 Ford Explorer vs. Ford Edge

Insurance on a 2023 Ford Explorer averages $1,996 per year, whereas insurance for a 2023 Ford Edge costs an average of $1,978 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 $1,814 per year for the $38,570 XLT 2WD model up to $2,076 for the $56,075 King Ranch 4WD model. For a 2023 Ford Edge, insurance rates range from $1,896 annually for the SE model up to $2,060 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 $1,814 per year. The most expensive vehicle to insure is the Ford Explorer King Ranch 4WD at an average of $2,076 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 $151 to $173 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
$1,814$151
$1,856$155
$1,896$158
$1,930$161
$1,946$162
$1,966$164
$1,982$165
$1,982$165
$1,994$166
$1,994$166
$2,006$167
$2,006$167
$2,008$167
$2,030$169
$2,030$169
$2,042$170
$2,050$171
$2,056$171
$2,060$172
$2,064$172
$2,070$173
$2,076$173

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 October 24, 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 $1,756 to $3,966 per year for a 2023 Ford Explorer, and $1,750 to $3,958 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 October 24, 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$6,096$6,085
20-Year-Old$3,966$3,958
25-Year-Old$2,318$2,296
30-Year-Old$2,140$2,114
40-Year-Old$1,996$1,978
50-Year-Old$1,756$1,750
60-Year-Old$1,646$1,638

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 October 24, 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 $1,814 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 $1,896 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 $1,814 per year. The highest-cost model and trim is the Ford Explorer King Ranch 4WD at an average of $2,076 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

$1,996

Insurance Rates by Trim Level for a 2023 Ford Explorer
2023 Ford Explorer TrimsRate
XLT 2WD$1,814
XLT 4WD1,856
ST-Line 2WD1,946
Limited 2WD1,966
Base 2WD1,982
ST-Line 4WD1,982
Limited 4WD1,994
Timberline 4WD1,994
ST 2WD2,008
Base 4WD2,030
ST 4WD2,030
Limited Hybrid 2WD2,042
Platinum 2WD2,050
King Ranch 2WD2,056
Limited Hybrid 4WD2,064
Platinum 4WD2,070
King Ranch 4WD2,076
2023 Ford Explorer Average Rate$1,996

2023 Ford Edge

$1,978

Insurance Rates by Trim Level for 2023 Ford Explorer
2023 Ford Edge TrimsRate
SE$1,896
SEL1,930
Titanium2,006
ST-Line2,006
ST2,060
2023 Ford Edge Average Rate$1,978

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 $86 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 $1,818 to $4,118 per year for the illustrated age groups. A 2022 Ford Edge costs from $1,744 to $3,948 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 October 24, 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$6,335$6,068
20-Year-Old$4,118$3,948
25-Year-Old$2,388$2,288
30-Year-Old$2,200$2,108
40-Year-Old$2,058$1,972
50-Year-Old$1,818$1,744
60-Year-Old$1,704$1,632

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 October 24, 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 $1,894 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 $1,850.

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 $1,850 per year, and the most expensive trim is the Ford Explorer Platinum 4WD costing an average of $2,178 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

$2,058

Insurance Rates by Trim Level for a 2022 Ford Explorer
2022 Ford Explorer TrimsRate
XLT 2WD$1,894
2WD1,932
XLT 4WD1,934
4WD1,978
ST 2WD2,040
ST-Line 2WD2,048
Limited 2WD2,056
Timberline 4WD2,070
ST-Line 4WD2,076
Limited 4WD2,082
ST 4WD2,102
King Ranch 2WD2,152
Platinum 2WD2,158
King Ranch 4WD2,172
Platinum 4WD2,178
2022 Ford Explorer Average Rate$2,058

2022 Ford Edge

$1,972

Insurance Rates by Trim Level for 2022 Ford Explorer
2022 Ford Edge TrimsRate
SE$1,850
SEL1,928
Titanium1,996
ST-Line2,028
ST2,062
2022 Ford Edge Average Rate$1,972

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 $282 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 $1,868 to $4,230 per year for a 2021 Ford Explorer, and $1,606 to $3,668 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 October 24, 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$6,503$5,657
20-Year-Old$4,230$3,668
25-Year-Old$2,446$2,124
30-Year-Old$2,248$1,958
40-Year-Old$2,110$1,828
50-Year-Old$1,868$1,606
60-Year-Old$1,750$1,508

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 October 24, 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 $1,850 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 $1,696 per year, or around $141 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 $1,696 per year, and the most expensive model and trim level is the Ford Explorer Platinum 4WD costing an average of $2,268 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

$2,110

Insurance Rates by Trim Level for a 2021 Ford Explorer
2021 Ford Explorer TrimsRate
2WD$1,850
4WD1,918
XLT 2WD1,984
XLT 4WD1,984
Police 4WD2,048
Limited 2WD2,114
Timberline 4WD2,162
Limited 4WD2,182
ST 4WD2,182
King Ranch 2WD2,228
King Ranch 4WD2,248
Platinum 2WD2,248
Platinum 4WD2,268
2021 Ford Explorer Average Rate$2,110

2021 Ford Edge

$1,828

Insurance Rates by Trim Level for 2021 Ford Explorer
2021 Ford Edge TrimsRate
SE 2WD$1,696
SE AWD1,782
SEL 2WD1,782
SEL AWD1,848
Titanium 2WD1,848
ST AWD1,916
Titanium AWD1,916
2021 Ford Edge Average Rate$1,828

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 $240 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 $1,780 to $4,026 per year for a 2020 Ford Explorer, and $1,554 to $3,546 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 October 24, 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$6,183$5,472
20-Year-Old$4,026$3,546
25-Year-Old$2,328$2,054
30-Year-Old$2,140$1,894
40-Year-Old$2,006$1,766
50-Year-Old$1,780$1,554
60-Year-Old$1,666$1,460

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 October 24, 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 $1,810 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 $1,642 per year, or $137 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 $1,642 per year. The most expensive vehicle to insure is the Ford Explorer Platinum 4WD costing an average of $2,190 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

$2,006

Insurance Rates by Trim Level for a 2020 Ford Explorer
2020 Ford Explorer TrimsRate
2WD$1,810
4WD1,872
XLT 2WD1,936
XLT 4WD1,936
Police 4WD1,998
Limited 2WD2,064
Limited 4WD2,126
ST 4WD2,126
Platinum 4WD2,190
2020 Ford Explorer Average Rate$2,006

2020 Ford Edge

$1,766

Insurance Rates by Trim Level for 2020 Ford Explorer
2020 Ford Edge TrimsRate
SE 2WD$1,642
SE AWD1,724
SEL 2WD1,724
SEL AWD1,786
Titanium 2WD1,786
ST AWD1,850
Titanium AWD1,850
2020 Ford Edge Average Rate$1,766

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 $106 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 $1,714 to $3,892 per year for these driver ages. A 2019 Ford Edge costs from $1,612 to $3,706 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 October 24, 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$5,991$5,729
20-Year-Old$3,892$3,706
25-Year-Old$2,240$2,118
30-Year-Old$2,054$1,948
40-Year-Old$1,930$1,824
50-Year-Old$1,714$1,612
60-Year-Old$1,604$1,516

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 October 24, 2025

Out of eight Ford Explorer trims, the cheapest 2019 model to insure is the 2WD trim at an average cost of $1,786 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 $1,672 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 $1,672 per year, and the most expensive trim is the Ford Explorer Platinum 4WD at an average of $2,090 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

$1,930

Insurance Rates by Trim Level for a 2019 Ford Explorer
2019 Ford Explorer TrimsRate
2WD$1,786
4WD1,846
XLT 2WD1,846
XLT 4WD1,908
Limited 2WD1,968
Limited 4WD1,968
Sport 4WD2,030
Platinum 4WD2,090
2019 Ford Explorer Average Rate$1,930

2019 Ford Edge

$1,824

Insurance Rates by Trim Level for 2019 Ford Explorer
2019 Ford Edge TrimsRate
SE 2WD$1,672
SE AWD1,734
SEL 2WD1,812
SEL AWD1,812
Titanium 2WD1,874
ST AWD1,934
Titanium AWD1,934
2019 Ford Edge Average Rate$1,824

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 $1,626 to $3,682 per year for a 2018 Ford Explorer, and $1,516 to $3,470 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 October 24, 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$5,658$5,360
20-Year-Old$3,682$3,470
25-Year-Old$2,120$1,988
30-Year-Old$1,946$1,826
40-Year-Old$1,828$1,712
50-Year-Old$1,626$1,516
60-Year-Old$1,524$1,422

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 October 24, 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 $1,708 per year, or about $142 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 $1,596 per year, or $133 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 $1,596 per year. The most expensive trim is the Ford Explorer Platinum 4WD costing $1,994 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

$1,828

Insurance Rates by Trim Level for a 2018 Ford Explorer
2018 Ford Explorer TrimsRate
2WD$1,708
Police Edition 4WD1,708
4WD1,766
XLT 2WD1,766
XLT 4WD1,822
Limited 2WD1,880
Limited 4WD1,880
Sport 4WD1,938
Platinum 4WD1,994
2018 Ford Explorer Average Rate$1,828

2018 Ford Edge

$1,712

Insurance Rates by Trim Level for 2018 Ford Explorer
2018 Ford Edge TrimsRate
SE 2WD$1,596
SE AWD1,654
SEL 2WD1,654
SEL AWD1,728
Titanium 2WD1,728
Titanium AWD1,786
Sport AWD1,842
2018 Ford Edge Average Rate$1,712

2017 Ford Explorer vs. Edge Insurance

When comparing car insurance rates for 2017 models, a Ford Explorer costs an average of $1,754 per year to insure and a Ford Edge costs $1,648, making the Ford Edge cheaper to insure by $106 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 $1,562 to $3,526 per year for the age groups used in the chart. A 2017 Ford Edge costs from $1,460 to $3,336 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 October 24, 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$5,418$5,148
20-Year-Old$3,526$3,336
25-Year-Old$2,036$1,910
30-Year-Old$1,866$1,758
40-Year-Old$1,754$1,648
50-Year-Old$1,562$1,460
60-Year-Old$1,464$1,370

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 October 24, 2025

Out of nine Ford Explorer trim levels, the cheapest 2017 trim to insure is the 2WD model at an average cost of $1,646 per year, or about $137 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 $1,534.

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 $1,534 per year, and the overall most expensive vehicle to insure is the Ford Explorer Platinum 4WD costing an average of $1,916 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

$1,754

Insurance Rates by Trim Level for a 2017 Ford Explorer
2017 Ford Explorer TrimsRate
2WD$1,646
Police Edition 4WD1,646
4WD1,700
XLT 2WD1,700
XLT 4WD1,700
Limited 2WD1,808
Limited 4WD1,808
Sport 4WD1,862
Platinum 4WD1,916
2017 Ford Explorer Average Rate$1,754

2017 Ford Edge

$1,648

Insurance Rates by Trim Level for 2017 Ford Explorer
2017 Ford Edge TrimsRate
SE 2WD$1,534
SE AWD1,588
SEL 2WD1,600
SEL AWD1,658
Titanium 2WD1,670
Titanium AWD1,714
Sport AWD1,766
2017 Ford Edge Average Rate$1,648

2016 Ford Explorer vs. Edge Insurance

When comparing insurance cost for 2016 models, the Ford Explorer costs an average of $1,812 per year to insure and the Ford Edge costs $1,666, making the Ford Edge the winner by $146 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 $1,618 to $3,674 per year for these driver ages. A 2016 Ford Edge costs from $1,486 to $3,360 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 October 24, 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$5,646$5,164
20-Year-Old$3,674$3,360
25-Year-Old$2,104$1,932
30-Year-Old$1,924$1,770
40-Year-Old$1,812$1,666
50-Year-Old$1,618$1,486
60-Year-Old$1,514$1,390

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 October 24, 2025

Out of nine Ford Explorer trims, the cheapest 2016 trim to insure is the 2WD trim at an average cost of $1,724 per year, or about $144 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 $1,574 per year, or around $131 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 $1,574 per year, and the highest-cost model and trim level is the Ford Explorer Platinum 4WD costing $1,972 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

$1,812

Insurance Rates by Trim Level for a 2016 Ford Explorer
2016 Ford Explorer TrimsRate
2WD$1,724
4WD1,724
Police Edition 4WD1,724
XLT 2WD1,774
XLT 4WD1,774
Limited 2WD1,872
Limited 4WD1,872
Sport 4WD1,872
Platinum 4WD1,972
2016 Ford Explorer Average Rate$1,812

2016 Ford Edge

$1,666

Insurance Rates by Trim Level for 2016 Ford Explorer
2016 Ford Edge TrimsRate
SE 2WD$1,574
SE AWD1,624
SEL 2WD1,624
SEL AWD1,674
Titanium 2WD1,674
Titanium AWD1,724
Sport AWD1,772
2016 Ford Edge Average Rate$1,666

2015 Ford Explorer vs. Edge Insurance

When comparing insurance rates for 2015 models, a Ford Explorer costs an average of $1,632 per year to insure and a Ford Edge costs $1,580, 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 $1,460 to $3,286 per year for the included age groups. A 2015 Ford Edge costs from $1,412 to $3,186 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 October 24, 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$5,030$4,891
20-Year-Old$3,286$3,186
25-Year-Old$1,892$1,834
30-Year-Old$1,728$1,676
40-Year-Old$1,632$1,580
50-Year-Old$1,460$1,412
60-Year-Old$1,366$1,320

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 October 24, 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 $1,578 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 $1,488 per year, or about $124 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 $1,488 per year, and the most expensive vehicle to insure is the Ford Explorer Sport 4WD at a cost of $1,718 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

$1,632

Insurance Rates by Trim Level for a 2015 Ford Explorer
2015 Ford Explorer TrimsRate
2WD$1,578
4WD1,578
Police Edition 4WD1,578
XLT 2WD1,578
XLT 4WD1,626
Limited 2WD1,670
Limited 4WD1,718
Sport 4WD1,718
2015 Ford Explorer Average Rate$1,632

2015 Ford Edge

$1,580

Insurance Rates by Trim Level for 2015 Ford Explorer
2015 Ford Edge TrimsRate
SE 2WD$1,488
SE AWD1,534
SEL 2WD1,534
SEL AWD1,580
Titanium 2WD1,580
Sport 2WD1,626
Titanium AWD1,626
Sport AWD1,672
2015 Ford Edge Average Rate$1,580

Additional Ford Explorer and Ford Edge Resources