Estimates, not quotes

Ford Edge vs Nissan Pathfinder Insurance Cost

The Ford Edge is cheaper to insure by about $90 a year for full coverage by our estimate ($1,365 vs. $1,455), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageFord EdgeNissan PathfinderDifference
State minimum$590$595−$5
Standard (100/300/100)$855$865−$10
Full coverage$1,365$1,455−$90

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Edge minus Pathfinder.

Why one costs more to insure

FactorFord EdgeNissan Pathfinder
SegmentMidsize SUVMidsize SUV
PowertrainsGasolineGasoline, Hybrid
HLDI collision (100 = avg)8587
HLDI comprehensive7385
HLDI property damage liability9392
HLDI bodily injury liability105109
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)73

Collision losses are the biggest swing factor: the Nissan Pathfinder has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford Edge.

Edge vs Pathfinder insurance by state

StateEdgePathfinderDifference
Alabama$1,170$1,260−$90
Alaska$1,190$1,270−$80
Arizona$1,435$1,530−$95
Arkansas$1,170$1,270−$100
California$1,325$1,415−$90
Colorado$1,525$1,650−$125
Connecticut$1,470$1,555−$85
Delaware$1,560$1,640−$80
District of Columbia$1,710$1,825−$115
Florida$2,010$2,110−$100
Georgia$1,725$1,820−$95
Hawaii$930$995−$65
Idaho$920$985−$65
Illinois$1,170$1,255−$85
Indiana$960$1,030−$70
Iowa$890$975−$85
Kansas$1,055$1,155−$100
Kentucky$1,150$1,225−$75
Louisiana$1,895$2,020−$125
Maine$855$920−$65
Maryland$1,545$1,635−$90
Massachusetts$1,340$1,425−$85
Michigan$1,475$1,580−$105
Minnesota$1,115$1,210−$95
Mississippi$1,285$1,385−$100
Missouri$1,220$1,315−$95
Montana$1,050$1,150−$100
Nebraska$1,060$1,155−$95
Nevada$1,620$1,695−$75
New Hampshire$960$1,030−$70
New Jersey$1,685$1,770−$85
New Mexico$1,210$1,300−$90
New York$1,865$1,965−$100
North Carolina$990$1,070−$80
North Dakota$830$915−$85
Ohio$965$1,035−$70
Oklahoma$1,200$1,300−$100
Oregon$1,250$1,315−$65
Pennsylvania$1,170$1,260−$90
Rhode Island$1,675$1,765−$90
South Carolina$1,480$1,570−$90
South Dakota$985$1,095−$110
Tennessee$1,115$1,200−$85
Texas$1,590$1,715−$125
Utah$1,260$1,330−$70
Vermont$860$935−$75
Virginia$1,170$1,250−$80
Washington$1,205$1,275−$70
West Virginia$1,110$1,205−$95
Wisconsin$915$990−$75
Wyoming$1,005$1,120−$115

By driver profile (full coverage)

DriverEdgePathfinder
Teen driver (18, own policy)$3,750$4,005
Young adult (22)$2,180$2,330
Adult in their 30s$1,365$1,455
Adult in their 50s$1,255$1,340
Senior (72)$1,530$1,630
30s, one at-fault accident$1,980$2,110
30s, DUI on record$2,525$2,695

More comparisons

Frequently asked questions

Is the Ford Edge or the Nissan Pathfinder cheaper to insure?

By our estimate the Ford Edge is cheaper, by about $90 a year for full coverage ($1,365 vs. $1,455) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Edge and Nissan Pathfinder?

Mostly because of insurance-loss history: HLDI collision indices of 85 vs. 87 and comprehensive indices of 73 vs. 85 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page