Ford Ranger XL 2WD Insurance Rates

Estimated auto insurance rates for a Ford Ranger XL 2WD are $1,166 annually including full coverage. Comprehensive insurance costs on average $230, collision insurance costs $414, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $2,510 or more. Teenage drivers pay the most at up to $4,430 a year.

Annual premium for full coverage: $1,166

Premium estimates by type of insurance:

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

Price Range for Insurance for this Ford Ranger Trim Level

These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Ford Ranger XL 2WD also have a wide range based on the replacement cost of your Ranger, your driving characteristics, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $430 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Ranger XL 2WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted rates will be substantially different between companies.

View Chart as Image

The chart above shows average Ford Ranger XL 2WD insurance prices for various situations. The cheapest discount price is $684. Drivers who use higher $1,000 deductibles will pay about $1,018. The average price for a 40-year-old male driver using $500 deductibles is $1,166. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,448. Drivers with multiple violations and accidents could be charged up to $2,510. The price for full coverage for a teen driver can be as high as $4,430.

View Chart as Image