Ford Ranger XL 2WD Insurance Rates

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Estimated auto insurance rates for a Ford Ranger XL 2WD are $1,166 annually including full coverage. Comprehensive insurance costs on average $230, collision insurance costs $414, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $2,510 or more. Teenage drivers pay the most at up to $4,430 a year.

Annual premium for full coverage: $1,166

Premium estimates by type of insurance:

Comprehensive $230
Collision $414
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Ranger Trim Level

Using a 40-year-old driver as an example, insurance rates for a Ford Ranger XL 2WD range from as cheap as $430 for the bare minimum liability coverage to a much higher rate of $2,510 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,166
High Risk $2,510

These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Ford Ranger XL 2WD also have a wide range based on the replacement cost of your Ranger, your driving characteristics, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $430 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Ranger XL 2WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted rates will be substantially different between companies.

View Chart as Image

Ford Ranger XL 2WD insurance cost comparison chart
Column chart showing Ford Ranger XL 2WD insurance prices range from $684 to $4,430 for full coverage

The chart above shows average Ford Ranger XL 2WD insurance prices for various situations. The cheapest discount price is $684. Drivers who use higher $1,000 deductibles will pay about $1,018. The average price for a 40-year-old male driver using $500 deductibles is $1,166. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,448. Drivers with multiple violations and accidents could be charged up to $2,510. The price for full coverage for a teen driver can be as high as $4,430.

Ford Ranger XL 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,054 -$112 -9.6%
Alaska $892 -$274 -23.5%
Arizona $968 -$198 -17.0%
Arkansas $1,166 -$0 0.0%
California $1,328 $162 13.9%
Colorado $1,112 -$54 -4.6%
Connecticut $1,198 $32 2.7%
Delaware $1,320 $154 13.2%
Florida $1,456 $290 24.9%
Georgia $1,076 -$90 -7.7%
Hawaii $836 -$330 -28.3%
Idaho $788 -$378 -32.4%
Illinois $866 -$300 -25.7%
Indiana $876 -$290 -24.9%
Iowa $786 -$380 -32.6%
Kansas $1,108 -$58 -5.0%
Kentucky $1,588 $422 36.2%
Louisiana $1,724 $558 47.9%
Maine $718 -$448 -38.4%
Maryland $962 -$204 -17.5%
Massachusetts $932 -$234 -20.1%
Michigan $2,024 $858 73.6%
Minnesota $974 -$192 -16.5%
Mississippi $1,396 $230 19.7%
Missouri $1,032 -$134 -11.5%
Montana $1,250 $84 7.2%
Nebraska $918 -$248 -21.3%
Nevada $1,396 $230 19.7%
New Hampshire $840 -$326 -28.0%
New Jersey $1,302 $136 11.7%
New Mexico $1,032 -$134 -11.5%
New York $1,228 $62 5.3%
North Carolina $672 -$494 -42.4%
North Dakota $954 -$212 -18.2%
Ohio $804 -$362 -31.0%
Oklahoma $1,198 $32 2.7%
Oregon $1,066 -$100 -8.6%
Pennsylvania $1,110 -$56 -4.8%
Rhode Island $1,554 $388 33.3%
South Carolina $1,056 -$110 -9.4%
South Dakota $982 -$184 -15.8%
Tennessee $1,020 -$146 -12.5%
Texas $1,404 $238 20.4%
Utah $864 -$302 -25.9%
Vermont $796 -$370 -31.7%
Virginia $698 -$468 -40.1%
Washington $900 -$266 -22.8%
West Virginia $1,068 -$98 -8.4%
Wisconsin $806 -$360 -30.9%
Wyoming $1,038 -$128 -11.0%

View Chart as Image

Ford Ranger XL 2WD insurance rates by U.S. city

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Rates by Driver Age

Ford Ranger XL 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,430
20 $2,692
30 $1,208
40 $1,166
50 $1,064
60 $1,044

Full coverage, $500 deductibles

Rates by Deductible

Ford Ranger XL 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,448
$250 $1,316
$500 $1,166
$1,000 $1,018

Full coverage, driver age 40

Rates by Liability Limit

Ford Ranger XL 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,166
50/100 $1,239
100/300 $1,330
250/500 $1,566
100 CSL $1,275
300 CSL $1,475
500 CSL $1,621

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Ranger XL 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,290
20 $4,274
30 $2,560
40 $2,510
50 $2,398
60 $2,376

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $60
Homeowner $17
5-yr Accident Free $83
5-yr Claim Free $74
Paid in Full/EFT $51
Advance Quote $56
Online Quote $81
Total Discounts $482
Rate after discounts $684

Discounts are estimated and may not be available from every company or in every state.

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