Ford Ranger Insurance Rates
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Michelle Robbins
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UPDATED: May 16, 2024
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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.
U.S. average insurance rates for a Ford Ranger are $1,236 a year for full coverage. Comprehensive costs an estimated $232, collision costs $448, and liability coverage costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing around $2,680. Teens pay the highest rates at $4,732 a year or more.
Average premium for full coverage: $1,236
Price estimates broken down by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Ranger models.
Price Range from Low to High
For a 40-year-old driver, Ford Ranger insurance prices go from the low end price of $460 for just liability coverage to the much higher price of $2,680 for a driver who requires high-risk insurance.
Geographic Price Range
Your location has a large influence on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates how your location can change insurance prices.
The ranges above show why everyone should compare rates for a targeted area, rather than using averaged prices.
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.
Detailed Rate Analysis
The chart below shows estimated Ford Ranger insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $717
- Drivers who choose higher $1,000 deductibles will pay approximately $154 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,236
- Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,536
- High-risk insureds with serious driving violations could pay up to $2,680 or more
- The price that insures a teenage driver for full coverage can cost as much as $4,732 a year
Insurance prices for a Ford Ranger are also quite variable based on the model of your Ranger, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,000 extra each year, depending on your age. Ford Ranger insurance for high-risk drivers can cost around 42% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,700 a year. View Rates by Age
The state you live in 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 Iowa, Maine, and Idaho, or have to pay at least $1,760 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,118 | -$118 | -9.5% |
| Alaska | $950 | -$286 | -23.1% |
| Arizona | $1,026 | -$210 | -17.0% |
| Arkansas | $1,236 | -$0 | 0.0% |
| California | $1,408 | $172 | 13.9% |
| Colorado | $1,182 | -$54 | -4.4% |
| Connecticut | $1,272 | $36 | 2.9% |
| Delaware | $1,398 | $162 | 13.1% |
| Florida | $1,548 | $312 | 25.2% |
| Georgia | $1,142 | -$94 | -7.6% |
| Hawaii | $888 | -$348 | -28.2% |
| Idaho | $836 | -$400 | -32.4% |
| Illinois | $922 | -$314 | -25.4% |
| Indiana | $930 | -$306 | -24.8% |
| Iowa | $834 | -$402 | -32.5% |
| Kansas | $1,174 | -$62 | -5.0% |
| Kentucky | $1,686 | $450 | 36.4% |
| Louisiana | $1,828 | $592 | 47.9% |
| Maine | $762 | -$474 | -38.3% |
| Maryland | $1,020 | -$216 | -17.5% |
| Massachusetts | $990 | -$246 | -19.9% |
| Michigan | $2,148 | $912 | 73.8% |
| Minnesota | $1,034 | -$202 | -16.3% |
| Mississippi | $1,482 | $246 | 19.9% |
| Missouri | $1,098 | -$138 | -11.2% |
| Montana | $1,326 | $90 | 7.3% |
| Nebraska | $974 | -$262 | -21.2% |
| Nevada | $1,482 | $246 | 19.9% |
| New Hampshire | $890 | -$346 | -28.0% |
| New Jersey | $1,382 | $146 | 11.8% |
| New Mexico | $1,096 | -$140 | -11.3% |
| New York | $1,304 | $68 | 5.5% |
| North Carolina | $714 | -$522 | -42.2% |
| North Dakota | $1,012 | -$224 | -18.1% |
| Ohio | $854 | -$382 | -30.9% |
| Oklahoma | $1,272 | $36 | 2.9% |
| Oregon | $1,132 | -$104 | -8.4% |
| Pennsylvania | $1,178 | -$58 | -4.7% |
| Rhode Island | $1,648 | $412 | 33.3% |
| South Carolina | $1,122 | -$114 | -9.2% |
| South Dakota | $1,044 | -$192 | -15.5% |
| Tennessee | $1,082 | -$154 | -12.5% |
| Texas | $1,490 | $254 | 20.6% |
| Utah | $916 | -$320 | -25.9% |
| Vermont | $846 | -$390 | -31.6% |
| Virginia | $738 | -$498 | -40.3% |
| Washington | $956 | -$280 | -22.7% |
| West Virginia | $1,132 | -$104 | -8.4% |
| Wisconsin | $856 | -$380 | -30.7% |
| Wyoming | $1,100 | -$136 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $460 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Every company calculates prices differently, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Ranger XL 2WD | $1,150 | $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 | $1,236 | $103 |
| Ford Ranger XL SuperCab 4WD | $1,206 | $101 |
| Ford Ranger XLT SuperCab 2WD | $1,236 | $103 |
| Ford Ranger Sport SuperCab 2WD | $1,278 | $107 |
| Ford Ranger Sport SuperCab 4WD | $1,248 | $104 |
| Ford Ranger XLT SuperCab 2WD | $1,278 | $107 |
| Ford Ranger XLT SuperCab 4WD | $1,248 | $104 |
Rates assume 2023 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Ford Ranger | $242 | $452 | $390 | $1,242 |
| 2023 Ford Ranger | $232 | $448 | $398 | $1,236 |
| 2022 Ford Ranger | $224 | $436 | $416 | $1,234 |
| 2021 Ford Ranger | $216 | $418 | $430 | $1,222 |
| 2020 Ford Ranger | $204 | $404 | $442 | $1,208 |
| 2019 Ford Ranger | $196 | $374 | $452 | $1,180 |
| 2011 Ford Ranger | $134 | $196 | $474 | $962 |
| 2010 Ford Ranger | $126 | $178 | $474 | $936 |
| 2009 Ford Ranger | $122 | $160 | $468 | $908 |
| 2008 Ford Ranger | $120 | $156 | $460 | $894 |
| 2007 Ford Ranger | $118 | $150 | $452 | $878 |
| 2006 Ford Ranger | $108 | $142 | $446 | $854 |
| 2005 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
Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Compare rates at every other renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The list below is a condensed summary of the concepts that were illustrated above.
- Drivers with multiple at-fault accidents may pay on average $1,440 more annually for car insurance
- Teenagers are charged the highest prices, with premiums as much as $394 a month if full coverage is included
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $450 each year
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,732 |
| 20 | $2,872 |
| 30 | $1,282 |
| 40 | $1,236 |
| 50 | $1,132 |
| 60 | $1,110 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,394 |
| $500 | $1,236 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,236 |
| 50/100 | $1,328 |
| 100/300 | $1,427 |
| 250/500 | $1,686 |
| 100 CSL | $1,367 |
| 300 CSL | $1,586 |
| 500 CSL | $1,746 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,728 |
| 20 | $4,570 |
| 30 | $2,732 |
| 40 | $2,680 |
| 50 | $2,562 |
| 60 | $2,540 |
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.
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 | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $86 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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