2025 Explorer ST Insurance Lower than 2019 Edge ST...

[Gadgtfreek]

Does anyone in the insurance field know why this is? It doesn’t really matter; I’m just a little surprised. Same coverage through SF—my 2019 Edge ST was about $153/month, but my brand-new Explorer is $146. Makes no sense to me. I was wondering if parts availability and repair costs might be a factor, considering the less common Edge? Or maybe added safety features? Still doesn’t quite compute lol.

 

[LAX_24/7]

Last time my insurance went down on a brand new car, the insurance company said it was because of all the extra safety features. Mind you, I was going from a '97 Accord to a 2011 Ford Escape (Brand New).

Since then, I've bought two new Ford's since 2011 and my insurance has only gone up. Their excuse last time (2020) was because the ST model is a Sports SVU with more horsepower.. Anything to justify their raises I guess..

 

[Nascarbilly]

Does anyone in the insurance field know why this is? It doesn’t really matter; I’m just a little surprised. Same coverage through SF—my 2019 Edge ST was about $153/month, but my brand-new Explorer is $146. Makes no sense to me. I was wondering if parts availability and repair costs might be a factor, considering the less common Edge? Or maybe added safety features? Still doesn’t quite compute lol.

GM and Welcome Aboard!

I don't think it is your age (then vs now, were you less than 25 then) related as the difference per month only adds up to less than $50 for your renewal period.

 

[Flyman]

I pay more for full coverage on my 19 SHO, than my 25 ExST.

 

[hbalek]

My Erie insurance premium from a 2013 MKZ to my 2020 ST went down as well. i was really surprised and so was my agent!

 

[Gadgtfreek]

Interesting. So it's more common than I thought. I won't look a gift horse in the mouth...