Ford Ranger XLT 2WD Insurance Rates
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Average insurance prices for a Ford Ranger XLT 2WD are $1,212 every 12 months with full coverage. Comprehensive insurance costs around $244, collision costs $446, and liability costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing $2,612 or more. Teen drivers receive the highest rates at $4,574 a year or more.
Annual premium for full coverage: $1,212
Rate estimates for type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Ford Ranger Trim Level
For the normal driver, prices go from the cheapest price of $430 for liability-only coverage to the much higher price of $2,612 for a driver who requires high-risk insurance.
These differences demonstrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Ford Ranger XLT 2WD Insurance
Insurance prices for a Ford Ranger XLT 2WD can also vary considerably based on policy deductibles and limits, your driving record, and the actual cash value of your Ranger.
Choosing high deductibles could cut rates by as much as $460 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 additional per year, depending on your age. Ford Ranger XLT 2WD insurance for high-risk drivers can be from 44% to 129% more than average. View High Risk Driver Rates
Where you live has a huge impact on Ford Ranger XLT 2WD insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.
The chart above shows Ford Ranger XLT 2WD insurance rates for different coverage choices and risks. The cheapest discount rate is $707. Drivers who choose higher $1,000 deductibles will pay $1,054. The average rate for a driver age 40 with no violations using $500 deductibles is $1,212. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $1,514. High risk drivers could be charged as much as $2,612. The rate for full coverage for a 16-year-old driver can be as high as $4,574.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$118 | -9.7% |
| Alaska | $928 | -$284 | -23.4% |
| Arizona | $1,006 | -$206 | -17.0% |
| Arkansas | $1,212 | -$0 | 0.0% |
| California | $1,380 | $168 | 13.9% |
| Colorado | $1,156 | -$56 | -4.6% |
| Connecticut | $1,246 | $34 | 2.8% |
| Delaware | $1,372 | $160 | 13.2% |
| Florida | $1,514 | $302 | 24.9% |
| Georgia | $1,118 | -$94 | -7.8% |
| Hawaii | $870 | -$342 | -28.2% |
| Idaho | $818 | -$394 | -32.5% |
| Illinois | $902 | -$310 | -25.6% |
| Indiana | $912 | -$300 | -24.8% |
| Iowa | $816 | -$396 | -32.7% |
| Kansas | $1,150 | -$62 | -5.1% |
| Kentucky | $1,652 | $440 | 36.3% |
| Louisiana | $1,790 | $578 | 47.7% |
| Maine | $746 | -$466 | -38.4% |
| Maryland | $998 | -$214 | -17.7% |
| Massachusetts | $968 | -$244 | -20.1% |
| Michigan | $2,102 | $890 | 73.4% |
| Minnesota | $1,012 | -$200 | -16.5% |
| Mississippi | $1,452 | $240 | 19.8% |
| Missouri | $1,074 | -$138 | -11.4% |
| Montana | $1,300 | $88 | 7.3% |
| Nebraska | $954 | -$258 | -21.3% |
| Nevada | $1,452 | $240 | 19.8% |
| New Hampshire | $872 | -$340 | -28.1% |
| New Jersey | $1,354 | $142 | 11.7% |
| New Mexico | $1,072 | -$140 | -11.6% |
| New York | $1,274 | $62 | 5.1% |
| North Carolina | $698 | -$514 | -42.4% |
| North Dakota | $992 | -$220 | -18.2% |
| Ohio | $836 | -$376 | -31.0% |
| Oklahoma | $1,244 | $32 | 2.6% |
| Oregon | $1,108 | -$104 | -8.6% |
| Pennsylvania | $1,154 | -$58 | -4.8% |
| Rhode Island | $1,614 | $402 | 33.2% |
| South Carolina | $1,098 | -$114 | -9.4% |
| South Dakota | $1,022 | -$190 | -15.7% |
| Tennessee | $1,060 | -$152 | -12.5% |
| Texas | $1,458 | $246 | 20.3% |
| Utah | $898 | -$314 | -25.9% |
| Vermont | $828 | -$384 | -31.7% |
| Virginia | $724 | -$488 | -40.3% |
| Washington | $936 | -$276 | -22.8% |
| West Virginia | $1,108 | -$104 | -8.6% |
| Wisconsin | $838 | -$374 | -30.9% |
| Wyoming | $1,078 | -$134 | -11.1% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,574 |
| 20 | $2,798 |
| 30 | $1,258 |
| 40 | $1,212 |
| 50 | $1,106 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,374 |
| $500 | $1,212 |
| $1,000 | $1,054 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,212 |
| 50/100 | $1,285 |
| 100/300 | $1,376 |
| 250/500 | $1,612 |
| 100 CSL | $1,321 |
| 300 CSL | $1,521 |
| 500 CSL | $1,667 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,502 |
| 20 | $4,444 |
| 30 | $2,664 |
| 40 | $2,612 |
| 50 | $2,496 |
| 60 | $2,472 |
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 | $63 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $54 |
| Advance Quote | $59 |
| Online Quote | $84 |
| Total Discounts | $505 |
Discounts are estimated and may not be available from every company or in every state.
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