Ford Ranger Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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How much does it cost to insure a Ford Ranger? Average insurance for a Ford Ranger is $1,254 a year, or $104 a month. There are multiple factors that go into determining these rates, and understanding them will help you lower the cost of your Ford Ranger car insurance.

Our guide goes over average Ford Ranger rates, safety ratings, purchase costs, and much more. Want to start shopping for Ford Ranger insurance rates right away? Enter your ZIP code in our free tool above to find average insurance for a Ford Ranger.

Average insurance rates for a Ford Ranger are $1,234 a year for full coverage. Comprehensive costs on average $224 a year, collision costs $436, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,684. Teen drivers receive the highest rates at $4,762 a year or more.

Average premium for full coverage: $1,234

Rate estimates by individual coverage type:

Comprehensive $224
Collision $436
Liability $416

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Ranger trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $2,684 for a high risk driver.

Liability Only $474
Full Coverage $1,234
High Risk $2,684

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $926
Small Cities $1,296
Large Cities $1,666

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

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

Insurance Rate Analysis

The chart below shows estimated Ford Ranger insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $717
  • Drivers who choose higher $1,000 deductibles will pay around $1,084 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,234
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,526
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,684 or more
  • The cost for full coverage for a teen driver may cost $4,762 a year

View Chart as Image

Ford Ranger insurance cost comparison chart
Column chart showing full coverage Ford Ranger insurance rates range from $717 to $4,762

for a Ford Ranger can also vary considerably based on your driver profile, the trim level of your Ranger, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Ford Ranger insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,760 on average in Michigan, Louisiana, and New York.

Ford Ranger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,116 -$118 -9.6%
Alaska $948 -$286 -23.2%
Arizona $1,026 -$208 -16.9%
Arkansas $1,234 -$0 0.0%
California $1,406 $172 13.9%
Colorado $1,180 -$54 -4.4%
Connecticut $1,270 $36 2.9%
Delaware $1,398 $164 13.3%
Florida $1,546 $312 25.3%
Georgia $1,140 -$94 -7.6%
Hawaii $886 -$348 -28.2%
Idaho $836 -$398 -32.3%
Illinois $920 -$314 -25.4%
Indiana $930 -$304 -24.6%
Iowa $834 -$400 -32.4%
Kansas $1,174 -$60 -4.9%
Kentucky $1,686 $452 36.6%
Louisiana $1,828 $594 48.1%
Maine $762 -$472 -38.2%
Maryland $1,018 -$216 -17.5%
Massachusetts $986 -$248 -20.1%
Michigan $2,144 $910 73.7%
Minnesota $1,034 -$200 -16.2%
Mississippi $1,478 $244 19.8%
Missouri $1,096 -$138 -11.2%
Montana $1,328 $94 7.6%
Nebraska $974 -$260 -21.1%
Nevada $1,480 $246 19.9%
New Hampshire $890 -$344 -27.9%
New Jersey $1,380 $146 11.8%
New Mexico $1,092 -$142 -11.5%
New York $1,302 $68 5.5%
North Carolina $712 -$522 -42.3%
North Dakota $1,012 -$222 -18.0%
Ohio $854 -$380 -30.8%
Oklahoma $1,268 $34 2.8%
Oregon $1,130 -$104 -8.4%
Pennsylvania $1,178 -$56 -4.5%
Rhode Island $1,646 $412 33.4%
South Carolina $1,118 -$116 -9.4%
South Dakota $1,042 -$192 -15.6%
Tennessee $1,082 -$152 -12.3%
Texas $1,490 $256 20.7%
Utah $916 -$318 -25.8%
Vermont $844 -$390 -31.6%
Virginia $740 -$494 -40.0%
Washington $956 -$278 -22.5%
West Virginia $1,132 -$102 -8.3%
Wisconsin $854 -$380 -30.8%
Wyoming $1,100 -$134 -10.9%

View Chart as Image

Ford Ranger insurance rates by U.S. city

Choosing high deductibles could save up to $450 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Ranger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Ranger XL 2WD $1,152 $96
Ford Ranger XL 2WD $1,194 $100
Ford Ranger XL SuperCab 2WD $1,194 $100
Ford Ranger XLT 2WD $1,194 $100
Ford Ranger Sport SuperCab 2WD $1,234 $103
Ford Ranger XL SuperCab 4WD $1,206 $101
Ford Ranger XLT SuperCab 2WD $1,234 $103
Ford Ranger Sport SuperCab 2WD $1,276 $106
Ford Ranger Sport SuperCab 4WD $1,246 $104
Ford Ranger XLT SuperCab 2WD $1,276 $106
Ford Ranger XLT SuperCab 4WD $1,246 $104

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Ford Ranger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Ranger $224 $436 $416 $1,234
2019 Ford Ranger $216 $418 $430 $1,222
2011 Ford Ranger $148 $236 $474 $1,016
2009 Ford Ranger $134 $196 $474 $962
2008 Ford Ranger $126 $178 $474 $936
2007 Ford Ranger $122 $160 $468 $908
2006 Ford Ranger $120 $156 $460 $894
2005 Ford Ranger $118 $150 $452 $878
2004 Ford Ranger $108 $142 $446 $854
2003 Ford Ranger $104 $134 $442 $838

Rates are averaged for all Ford Ranger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Ford Ranger Insurance

Saving money on Ford Ranger insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $450 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $397 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,450 more each year for insurance

To avoid the high rates on the list above, make sure to shop around at different insurers. For example, before you commit to a company like Progressive, make sure you get rates from other companies and compare prices.

Getting rates will also make help you answer questions from how much is car insurance in NJ for a 17-year-old to does a V6 cost more on insurance. Use our free comparison tool below to get started on finding Ford Ranger insurance rates and discover which car insurance company is cheapest.

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Ford Ranger Size and Class and Liability Insurance

What determines the price of car insurance? The Ford Ranger’s size and class have a direct effect on what you pay for liability insurance, as liability insurance pays for other driver’s repairs and injuries if you are the driver who caused the accident. So if your vehicle can do significant damage to other vehicles/drivers, you will have higher liability rates.

The Ford Ranger is a small pickup truck, so it isn’t likely to crush other vehicles. Do pickup trucks cost more to insure? It will only cost more to insure if the Ford Ranger crashes easily. Keep reading to see if the Ford Ranger has higher liability rates.

Ford Ranger Liability Insurance Rates

We pulled sample rates from a Geico quote for a 40-year-old man who owns his 2020 Ford Ranger Supercab, has a clean driving record, and travels 13,000 miles a year. The first set of rates you see below is for bodily injury liability. The prices are for a six-month policy.

  • Low ($15,000/$30,000): $33.25
  • Medium ($100,000/$200,000): $68.15
  • High ($500,000/$500,000): $109.71

It only costs $76 (or $12 a month) to upgrade bodily injury liability from low to high coverage. This is a little cheaper than normal, as the price increase for most vehicles is usually closer to $100. Next, take a look at the property damage liability rates.

  • Low ($5,000): $429.72
  • Medium ($20,000): $457.09
  • High ($100,000): $477.08

Drivers can upgrade their coverage from low to high for only $48 (or $8 a month). These prices aren’t bad, but shopping around can help you save even more on high liability coverage.

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Ford Ranger Safety Features and Ratings

USNews listed the following standard safety features for the 2020 Ford Ranger:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Front Tow Hooks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

These safety features can help drivers earn a vehicle safety feature discount. Good crash test ratings can also help lower your rates. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Ford Ranger CrewCab the following ratings in its crash tests:

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Acceptable
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating, so the Ford Ranger did well in the crash testing. Pickups were also shown to be safer than cars in the IIHS’s fatality data, as per driver fatalities per million vehicles were 34 driver pickup deaths compared to 23 for SUVs and 48 for cars. All occupant fatalities per million vehicles showed 42 pickup deaths, 32 SUV deaths, and 69 car deaths.

Even though SUVs have few fatalities per million vehicles, pickups still have decent fatality rates. There was a total of 4,369 pickup occupant deaths in 2018, which is less than SUV total deaths (5,035) and much less than car total deaths (13,138). The pickup fatalities can be broken up into the following:

  • Frontal Impact: 2,493 deaths
  • Side Impact: 807 deaths
  • Rear Impact: 173 deaths
  • Other (mostly rollovers): 896 deaths

Frontal impacts cause the most fatalities for pickups, followed by rollovers.

Ford Ranger Manufacturer Suggested Retail Price

Insurers check the manufacturer suggested retail price (MSRP) to determine how much repairs or vehicle replacement will cost. We went to Kelley Blue Book (KBB) to find out the MSRP and average Ford Ranger price for a 2020 Ford Ranger SuperCab.

  • MSRP: $29,765
  • Invoice Price: $28,908
  • Fair Purchase Price: $28,750
  • Fair Market Range: $27,801 to $29,698

The MSRP is on the higher end. Anytime a vehicle costs more, the insurance costs more. The two main coverages the MSRP will affect are collision and comprehensive insurance. Both of these coverages cover your vehicle repairs after an accident, so a high MSRP means that repair parts will cost more.

Shopping around for car insurance will be one of the best ways to bring down your collision and comprehensive insurance rates, so make sure to comparison shop. It will also help you find out which cars are the cheapest to insure, such as if a 4×4 costs more to insure or which model of the Ford Ranger is the cheapest truck to insure.

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Ford Ranger Repair Costs

Average annual repair costs can be much higher than drivers expect, due to breakdowns and worn-out parts needing to be replaced. What is the cheapest truck to insure? Generally, it will be one that has low maintenance and repair costs. The good news is that RepairPal’s reliability rating of the Ford Ranger was four out of five.

In addition, the average annual repair cost for the Ford Ranger is $615, which is only slightly higher than the average annual repair cost for midsize trucks ($548).

So how much does it cost to repair your Ford Ranger if you get into an accident? According to InstantEstimator’s free online tool, repairs for level two damage to a 2020 Ford Ranger are as follows:

  • Front bumper: $389
  • Rear bumper: $399
  • Hood: $387
  • Roof: $435
  • Front door: $391
  • Back door: $379
  • Fender: $351
  • Quarter panel: $399

The repair costs for the 2020 Ford Ranger are average, which is good. Just like shopping for insurance, shopping around for a repair shop can help lower your bill.

Finding insurance for your Ford Ranger doesn’t have to be hard. Hopefully, our guide helped you better understand the Ford Ranger insurance rates. Make sure to check out our site for other Ford vehicle reviews, such as Polaris Ranger insurance or insurance on a Raptor.

If you are ready to start comparison shopping for average insurance for a Ford Ranger, enter your ZIP code in our free tool.

Rates by Driver Age

Ford Ranger Insurance Rates by Driver Age
Driver Age Premium
16 $4,762
20 $2,872
30 $1,278
40 $1,234
50 $1,132
60 $1,110

Full coverage, $500 deductibles

Rates by Deductible

Ford Ranger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,526
$250 $1,392
$500 $1,234
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Ford Ranger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,234
50/100 $1,329
100/300 $1,433
250/500 $1,704
100 CSL $1,371
300 CSL $1,600
500 CSL $1,766

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Ranger Insurance Rates for High Risk Drivers
Age Premium
16 $6,768
20 $4,576
30 $2,732
40 $2,684
50 $2,564
60 $2,542

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $88
5-yr Claim Free $79
Paid in Full/EFT $54
Advance Quote $60
Online Quote $86
Total Discounts $517
Rate after discounts $717

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

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