Car Insurance Costs for a Ford Edge

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Here's what you need to know...
  • The Ford Edge is fairly affordable to insure
  • Liability coverage is the most necessary form of coverage
  • Other coverage types are worth considering
  • When looking for car insurance, be sure to find discounts that apply to you


There are too many factors that come into play to give a clear answer about how much someone would have to pay for car insurance for a Ford Edge. There are many different types of car insurance coverage options and discounts that affect the final rates.

While an exact number is difficult to come by, a look at the national average insurance cost for this car shows that you should expect to pay a little over $1,000 a year for car insurance.

After finding a rate that you like, you can learn more about that car insurance provider by going to their official website.

In addition, you can do research on the National Association of Insurance Commissioner’s website to find out important financial information about car insurance companies.

Use our FREE online tool now to compare car insurance quotes by typing your ZIP into the box at the top of this page!

What is the average insurance cost I should expect to pay with a Ford Edge?

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The majority of the ownership cost that someone pays for their vehicle is spent on gas.

According to Yahoo! Autos, 11 percent of the total ownership costs for the Ford Edge should go to insurance.

This figure translates to between $1,053 and $1,095 annually. Depending on how much you drive in your Edge, you could spend up to $3,000 a year on gas for it.

What are the most necessary forms of car insurance coverage?

The first type of car insurance coverage that a policyholder should focus on is liability coverage. Liability coverage protects the policyholder financially if they are found responsible for an accident.

An accident that causes injuries or property damage can be very expensive if the person responsible does not have enough insurance.

The two types of liability coverage offered by car insurance companies are bodily injury and property damage. Bodily injury coverage will pay if someone is injured or killed in an accident caused by the policyholder.

Property damage coverage will pay for the damage to the other car or any other property, like buildings, that is damaged because of the policyholder. If someone does not have enough liability coverage, they could be sued.

Uninsured and underinsured motorist coverage is a way the policyholder can protect themselves against other drivers that do not have enough car insurance.

If the policyholder is in an accident with someone that does not have enough car insurance, they could get stuck paying part of the bill for damages and injuries.

This type of coverage would also protect the policyholder if they are the victim of a hit-and-run accident.

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There are also two types of insurance that are meant to provide coverage for the policyholder’s car.

Collision coverage will pay for the damage caused by a collision whether it is with another car or an object like a tree.

Comprehensive coverage pays for the damage caused by anything other than a collision.

Some of the circumstances that comprehensive insurance covers are:

  • Theft
  • Broken glass
  • Fire damage
  • Storm damage

Medical payments and personal injury protection are both coverage options that will pay for medical care.

Personal injury protection coverage is also known as no-fault insurance because it will pay out no matter who causes an accident.

These coverages are especially important for people that do not have health insurance or have inadequate health coverage.

What are some common, but completely optional, forms of car insurance coverage for the Ford Edge?

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Some other popular, but not strictly necessary, car insurance options include:

  • Glass coverage
  • Rental reimbursement
  • Towing and labor coverage

Full glass coverage will cover the cost of having to replace a windshield without making the policyholder pay their deductible first.

If the covered vehicle is damaged and has to be repaired, the policyholder will be able to rent a car for free if they have rental reimbursement insurance.

Towing and labor coverage will pay for the towing and labor if the covered car breaks down and needs to be repaired.

What kinds of discounts are available to lower car insurance rates?

After someone chooses the types of car insurance coverage they need, they can then look into car insurance discounts.

There are so many car discounts offered by the majority of car insurance providers that everyone should be able to qualify for at least one.

The first type of car insurance discounts applies to the policyholder’s car. A car with good safety features will certainly qualify for a discount. Having

Having airbags and anti-lock brakes like most cars today do will qualify the policyholder for a safe car discount. There is also a discount available for people that have a car with an alarm system.

Check out the safety ratings for the Ford Edge below:

ford edge ratings

Source: IIHS

The second type of car insurance discount applies to the policyholder’s account. If they have more than one car and cover them all through the same provider, they will be able to get a multiple car discount.

If the policyholder owns their own home and gets a home insurance policy through the same company as their car insurance policy, they will qualify for a multiple policy discount.

The policyholder can also get discounts for taking classes. Defensive driving school and driver training courses can offer a significant discount.

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