Ford Ranger XLT SuperCab 4WD Insurance Rates

The average insurance prices for a Ford Ranger XLT SuperCab 4WD are $1,268 every 12 months including full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $476, and liability insurance costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $2,734 or more. Teen drivers cost the most to insure at $4,740 a year or more.

Annual premium for full coverage: $1,268

Policy rates by individual coverage type:

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

Price Range for Insurance for this Ford Ranger Trim Level

These price differences highlight why it is important for drivers to compare rates using their specific location and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance rates for a Ford Ranger XLT SuperCab 4WD also range considerably based on liability limits and deductibles, your driving characteristics, and the replacement cost of your Ranger.

Choosing high deductibles could save up to $500 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

Your home state makes a big difference in Ford Ranger XLT SuperCab 4WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied.

View Chart as Image

The chart above shows average Ford Ranger XLT SuperCab 4WD insurance rates for different coverage choices and risks. The lowest rate with discounts is $737. Drivers who choose higher $1,000 deductibles will pay $1,100. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,268. Choosing low $100 deductibles for collision and other-than-collision coverage can cost as much as $1,600. High risk drivers could be charged around $2,734. The cost for full coverage for a teenager is $4,740.

View Chart as Image