How Much is Insurance for a Ford Ranger?

The cost of Ford Ranger car insurance rates are $1,254 a year, or around $105 a month on average. Mature drivers with good driving records may find rates as low as $737 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jul 7, 2020

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Key Takeaways:

  • Full coverage costs around $1,254 a year or $105 each month
  • A liability-only policy costs around $503 a year or $42 each month
  • Highest rates are for teenage drivers at around $4,583 a year or $382 each month
  • Good drivers can save as much as $517 a year by earning policy discounts
  • Ford Ranger insurance costs around $265 less per year than the average vehicle

When it comes to Ford Ranger insurance rates, drivers spend $265 less per year than the average vehicle. In fact, median Ford Ranger car insurance rates amount to $1,254 per year, or $105 a month. This detailed guide will show you how factors like the truck’s safety features and crash test ratings will ultimately determine the amount of money you will pay for Ford Ranger rates.

You can start comparing quotes for Ford Ranger car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Ranger Insurance Cost

The average Ford Ranger car insurance rates are $1,254 a year or $105 a month.

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Are Ford Rangers Expensive to Insure?

The chart below details how Ford Ranger insurance rates compare to other trucks like the Honda Ridgeline, Chevrolet Silverado 3500HD, and Chevrolet Colorado.

VehicleComprehensiveCollisionLiabilityTotal
Ford Ranger$254$470$372$1,254
Honda Ridgeline$306$536$450$1,472
Chevrolet Silverado 3500HD$404$656$420$1,660
Chevrolet Colorado$254$438$372$1,222
Nissan Frontier$294$500$420$1,394
GMC Sierra 2500HD$336$656$420$1,592
Chevrolet Silverado$322$562$420$1,484

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Ranger Insurance?

The Ford Ranger trim and model you choose can impact the total price you will pay for Ford Ranger insurance coverage.

Age of the Vehicle

Older Ford Ranger models generally cost less to insure. For example, car insurance for a 2020 Ford Ranger costs $1,254, while 2010 Ford Ranger insurance costs are $1,056, a difference of $198.

Model YearComprehensiveCollisionLiabilityTotal
2020 Ford Ranger$254$470$372$1,254
2019 Ford Ranger$242$452$390$1,242
2011 Ford Ranger$168$292$460$1,078
2010 Ford Ranger$162$272$464$1,056

Driver Age

Driver age can have a significant effect on the cost of Ford Ranger car insurance. For example, a 20-year-old driver could pay around $128 more each month for their Ford Ranger car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Ford Ranger insurance rates. For example, drivers in Los Angeles may pay $179 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Ford Ranger auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Ranger car insurance with violations on their driving record.

Ford Ranger Safety Ratings

Your Ford Ranger car insurance rates are tied to the safety ratings of the Ford Ranger. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideAcceptable
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Ford Ranger Crash Test Ratings

Good Ford Ranger crash test ratings mean the VW is safer, which could mean cheaper Ford Ranger car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Ford Ranger Super Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2020 Ford Ranger Super Crew PU/CC 2WD4 stars4 stars5 stars3 stars
2020 Ford Ranger Super Cab PU/EC 4WDN/RN/RN/R3 stars
2020 Ford Ranger Super Cab PU/EC 2WDN/RN/RN/R3 stars
2019 Ford Ranger Super Crew PU/CC 4WD4 stars4 stars5 stars3 stars
2019 Ford Ranger Super Crew PU/CC 2WD4 stars4 stars5 stars3 stars
2019 Ford Ranger Super Cab PU/EC 4×4N/RN/RN/R3 stars
2019 Ford Ranger Super Cab PU/EC 4×2N/RN/RN/R3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Ranger Safety Features

The numerous safety features of the Ford Ranger help contribute to lower insurance rates. The 2020 Ford Ranger has the following safety features:

  • 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

Ford Ranger Finance and Insurance Cost

If you are financing a Ford Ranger, most lenders will require your carry higher Ford Ranger coverage options including comprehensive coverage, so be sure to shop around and compare Ford Ranger auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Ford Ranger Insurance

You have more options at your disposal to save money on your Ford Ranger car insurance costs. For example, try these five tips:

  • Choose a Ford Ranger with Cheaper Repair Costs
  • Purchase a Roadside Assistance Program for Your Ford Ranger
  • Ask About a Student Away from Home Discount
  • Reduce Your Coverage on an Older Ford Ranger
  • Ask for a New Ford Ranger Auto Insurance Rate Based on Your Improved Credit Score

Top Ford Ranger Insurance Companies

Who is the top auto insurance company for Ford Ranger insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Ranger auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Ranger offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Ford Ranger Insurance Quotes Online

Start comparing Ford Ranger auto insurance quotes for free by using our FREE online comparison tool.
Both the Ford Ranger XL and the Ford Ranger Sport made it onto the top ten least expensive trucks to insure in 2010 with an average annual premium of about $1,198.

In 2012, Ford stopped production of the Ranger for the U.S., but there are plans to bring it back in 2019.

Click here to compare Ford Ranger car insurance quotes online now!

As an American truck, it is durable and inexpensive. This truck offers the best of mobile worlds in that it has some of the features of a car, with the compatibility of any mid-sized pick-up truck.

Even commercial usage of your Ranger is affordable. Considering the factors insurance companies use to determine rates, this truck will not require you to break the piggy bank.

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What are some of the features of the Ford Ranger?

Depending on its usage, this truck can accommodate almost any purpose. It has a V6 engine in the XL or XLT option. Drivers can get up to 22 mpg in the city and 27 mpg on the open road.

It is also available in a five-speed manual or automatic transmission. It also features 143-horsepower with an option between the standard cab and extended cab version.

The interior features read like a car. Just to name a few, the Ford Ranger’s interior includes:

  • Leather seats
  • Seven Pioneer speakers
  • Side airbags
  • Leather steering wheel cover

The standard cab can hold up to three people while the extended cab has the capacity to hold seven. Safety features include ABS brakes and stability control. Standard wheels are 15-inch alloy. Other features are available to add to the base price for customization.

Who is the best car insurance company to insure a Ford Ranger?

Finding the best insurance company for your Ranger is as simple as performing a little research. Not all insurance carriers available online today are qualified to insure your vehicle.

Business-minded consumers would be wise to check the company rating issued by one of the consumer rating companies. An “A” or “B” rating by A.M. Best indicates that they are solvent and offer good customer service.

You can compare as many as ten companies on one website. Your top three choices may even warrant a phone call for further information. There is no obligation to a company who offers you a quote.

You may already have an insurance policy where you can add your new truck. If you have had the same policy for over a year, it may be time to reevaluate what you have.

Why are insurance rates different between the Ford Ranger and my four-door sedan?

When companies calculate insurance in relation to the type of vehicle you drive, they have to look at several things, including how safe the vehicle is and how it will be used under normal conditions.

By default, a pickup truck’s rear cargo bed means it’s probably going to be used for more than simply passenger transport.

Insurance companies assume that they will be taking on a higher risk when cargo is transported, so it will cost more to protect a pickup truck in terms of collision and comprehensive coverage.

In terms of safety ratings, the design of pickup trucks makes them slightly less safe than the typical four-door sedan.

Although the difference is negligible in most cases, the simple fact that the rear of the pickup truck lacks the mass of a four-door sedan means that rear impacts could very likely cause more physical damage.

In terms of the Ford Ranger itself, Edmunds reports IIHS ratings of acceptable (A) for front impact.

For some unknown reason, the IIHS didn’t take into account side impact or roof strength in the testing.

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How can I customize a Ford Ranger car insurance policy?

Customizing your insurance policy is important if you want to have coverage detailed to your needs as opposed to a generic policy. Each state has minimum requirements for motorists who have their vehicles registered there.

Who wants to pay for coverage they do not need? Liability protection is a standard requirement and you have the option of protecting yourself and your investment with coverages such as:

Some states have no-fault insurance coverage that protects you regardless of who is at fault. If you purchase custom features for your Ranger, you may want to add custom concessions in your insurance policy.

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Are there any Ford Ranger car insurance discounts?

You may be eligible for discounts on your Ford Ranger insurance coverage. Did you know the durability and safety features of the Ranger make it eligible for a discounted rate? An advanced premium payment or club membership with AAA or AARP also makes you eligible.

Does the Ford Ranger have any security equipment that would reduce my comprehensive coverage?

The base model of the Ford Ranger doesn’t have any of the added security enhancements that would reduce your comprehensive coverage. However, in terms of reliability and collision, there are some added safety features insurance companies like to see.

Included in those safety features are:

Many of these features are standard on most Ford models, so it’s quite likely that you’ll see similar insurance rates among Ford vehicles of the same class.

Overall, Ford does well in terms of safety across its entire product line. Insurance companies look on that very favorably and reflect it in their premiums.

As a general rule, the safer a vehicle is, the less risk there is for bodily injury in a traffic accident. That means a safer car will have lower insurance premiums.

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What if I need to file a claim?

If you have an accident in your Ford Ranger, you are required to contact your insurance provider. You can file a claim online, by phone, or by mail.

You will have to provide the insurance company with:

  • a police report
  • estimates
  • pictures, if possible

A claims adjuster will come out and assess the damage in most cases.

If your truck is still new and totaled in an accident, gap coverage will prevent you from paying for a vehicle you cannot drive.

It is advisable to inquire about gap coverage when you purchase your insurance policy. It is best to discuss the actual value and replacement value at this time.

Comparison car insurance quotes are available for the Ford Ranger by simply entering your ZIP code into the FREE tool below to get started!

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