Ford Ranger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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 prices for a Ford Ranger are $1,242 every 12 months with full coverage. Comprehensive costs around $242 a year, collision costs $452, and liability is estimated at $390. Buying just liability costs approximately $452 a year, with insurance for high-risk drivers costing around $2,686. Teens pay the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,242

Price estimates for individual coverage:

Comprehensive $242
Collision $452
Liability $390

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Ranger trim levels.

Price Range from Low to High

For an average driver, Ford Ranger insurance prices go from the cheapest price of $452 for basic liability insurance to a high of $2,686 for high-risk insurance.

Liability Only $452
Full Coverage $1,242
High Risk $2,686

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $932
Small Cities $1,304
Large Cities $1,677

The ranges above demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of 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.

Rate Comparisons

The chart below details estimated Ford Ranger insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $722
  • Choosing higher $1,000 deductibles can save about $1,084 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,242
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $1,546
  • Unlucky drivers with serious driving violations could pay at least $2,686 or more
  • The price to insure a teen driver can be $4,720 each year

View Chart as Image

Ford Ranger insurance cost comparison chart
Column chart showing full coverage Ford Ranger insurance rates range from $722 to $4,720

Insurance prices for a Ford Ranger are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 every year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 135% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Ranger insurance prices. A good driver about age 40 could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,680 on average in Florida, Michigan, and New York.

Ford Ranger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,122 -$120 -9.7%
Alaska $952 -$290 -23.3%
Arizona $1,030 -$212 -17.1%
Arkansas $1,242 -$0 0.0%
California $1,414 $172 13.8%
Colorado $1,184 -$58 -4.7%
Connecticut $1,276 $34 2.7%
Delaware $1,406 $164 13.2%
Florida $1,554 $312 25.1%
Georgia $1,144 -$98 -7.9%
Hawaii $892 -$350 -28.2%
Idaho $840 -$402 -32.4%
Illinois $924 -$318 -25.6%
Indiana $934 -$308 -24.8%
Iowa $838 -$404 -32.5%
Kansas $1,180 -$62 -5.0%
Kentucky $1,694 $452 36.4%
Louisiana $1,838 $596 48.0%
Maine $764 -$478 -38.5%
Maryland $1,024 -$218 -17.6%
Massachusetts $992 -$250 -20.1%
Michigan $2,158 $916 73.8%
Minnesota $1,038 -$204 -16.4%
Mississippi $1,486 $244 19.6%
Missouri $1,100 -$142 -11.4%
Montana $1,332 $90 7.2%
Nebraska $980 -$262 -21.1%
Nevada $1,490 $248 20.0%
New Hampshire $894 -$348 -28.0%
New Jersey $1,388 $146 11.8%
New Mexico $1,100 -$142 -11.4%
New York $1,306 $64 5.2%
North Carolina $714 -$528 -42.5%
North Dakota $1,018 -$224 -18.0%
Ohio $858 -$384 -30.9%
Oklahoma $1,274 $32 2.6%
Oregon $1,138 -$104 -8.4%
Pennsylvania $1,184 -$58 -4.7%
Rhode Island $1,656 $414 33.3%
South Carolina $1,124 -$118 -9.5%
South Dakota $1,046 -$196 -15.8%
Tennessee $1,088 -$154 -12.4%
Texas $1,496 $254 20.5%
Utah $918 -$324 -26.1%
Vermont $848 -$394 -31.7%
Virginia $742 -$500 -40.3%
Washington $958 -$284 -22.9%
West Virginia $1,138 -$104 -8.4%
Wisconsin $860 -$382 -30.8%
Wyoming $1,106 -$136 -11.0%

View Chart as Image

Ford Ranger insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and prices may be quite different.

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 $1,156 $96
Ford Ranger XL 2WD $1,198 $100
Ford Ranger XL SuperCab 2WD $1,198 $100
Ford Ranger XLT 2WD $1,198 $100
Ford Ranger Sport SuperCab 2WD $1,242 $104
Ford Ranger XL SuperCab 4WD $1,212 $101
Ford Ranger XLT SuperCab 2WD $1,242 $104
Ford Ranger Sport SuperCab 2WD $1,284 $107
Ford Ranger Sport SuperCab 4WD $1,254 $105
Ford Ranger XLT SuperCab 2WD $1,284 $107
Ford Ranger XLT SuperCab 4WD $1,254 $105

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.

Ford Ranger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Ford Ranger $254 $470 $372 $1,254
2023 Ford Ranger $242 $452 $390 $1,242
2022 Ford Ranger $232 $448 $398 $1,236
2021 Ford Ranger $224 $436 $416 $1,234
2020 Ford Ranger $216 $418 $430 $1,222
2019 Ford Ranger $204 $404 $442 $1,208
2011 Ford Ranger $144 $214 $478 $994
2010 Ford Ranger $134 $196 $474 $962
2009 Ford Ranger $126 $178 $474 $936
2008 Ford Ranger $122 $160 $468 $908
2007 Ford Ranger $120 $156 $460 $894
2006 Ford Ranger $118 $150 $452 $878
2005 Ford Ranger $108 $142 $446 $854
2004 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 Shop for Low Cost Ford Ranger Insurance

Getting lower rates on car insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a review of the material that was covered in the above illustrations.

  • Policyholders who may need an increased level of liability coverage will pay approximately $430 every year to raise limits from a low limit to a 250/500 level
  • Drivers age 16 to 20 are charged the highest prices, costing up to $393 a month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations pay on average $1,440 more every year than a safer driver
  • Increasing physical damage deductibles could save as much as $450 each year

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 $4,720
20 $2,874
30 $1,288
40 $1,242
50 $1,134
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Ford Ranger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,546
$250 $1,404
$500 $1,242
$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 $1,242
50/100 $1,332
100/300 $1,430
250/500 $1,683
100 CSL $1,371
300 CSL $1,586
500 CSL $1,742

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Ranger Insurance Rates for High Risk Drivers
Age Premium
16 $6,712
20 $4,572
30 $2,736
40 $2,686
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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $65
Homeowner $19
5-yr Accident Free $89
5-yr Claim Free $79
Paid in Full/EFT $55
Advance Quote $61
Online Quote $87
Total Discounts $520
Rate after discounts $722

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

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