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 6, 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.

The average insurance rates for a Ford Ranger are $1,222 a year with full coverage. Comprehensive insurance costs approximately $216 a year, collision costs $418, and liability insurance is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing $2,654 or more. 16-year-old drivers cost the most to insure at $4,740 a year or more.

Average premium for full coverage: $1,222

Policy rates by type of insurance:

Comprehensive $216
Collision $418
Liability $430

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Ranger trim levels.

Price Range Variability

For the average 40-year-old driver, Ford Ranger insurance rates go from the low end price of $486 for liability-only coverage to a high of $2,654 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,222
High Risk $2,654

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $917
Small Cities $1,283
Large Cities $1,650

The examples above demonstrate why it is important to get quotes using their specific location, rather than relying on rate averages.

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.

Additional Charts and Tables

The chart below details estimated Ford Ranger insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $710
  • Choosing higher $1,000 deductibles can save $1,078 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,222
  • Buying low $100 deductibles for comp and collision coverage will cost an additional $282 a year
  • High-risk insureds with multiple tickets or accidents could pay around $2,654 or more
  • Policy cost that insures a teen driver can cost $4,740 each year

View Chart as Image

Ford Ranger insurance cost comparison chart
Column chart showing full coverage Ford Ranger insurance prices range from $710 to $4,740

Insurance rates for a Ford Ranger also range considerably based on the trim level of your Ranger, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 137% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Ranger insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,650 on average in New York, Michigan, and Florida.

Ford Ranger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,106 -$116 -9.5%
Alaska $938 -$284 -23.2%
Arizona $1,016 -$206 -16.9%
Arkansas $1,222 -$0 0.0%
California $1,392 $170 13.9%
Colorado $1,168 -$54 -4.4%
Connecticut $1,258 $36 2.9%
Delaware $1,384 $162 13.3%
Florida $1,528 $306 25.0%
Georgia $1,128 -$94 -7.7%
Hawaii $876 -$346 -28.3%
Idaho $826 -$396 -32.4%
Illinois $910 -$312 -25.5%
Indiana $920 -$302 -24.7%
Iowa $824 -$398 -32.6%
Kansas $1,162 -$60 -4.9%
Kentucky $1,666 $444 36.3%
Louisiana $1,810 $588 48.1%
Maine $754 -$468 -38.3%
Maryland $1,008 -$214 -17.5%
Massachusetts $978 -$244 -20.0%
Michigan $2,122 $900 73.6%
Minnesota $1,022 -$200 -16.4%
Mississippi $1,464 $242 19.8%
Missouri $1,086 -$136 -11.1%
Montana $1,314 $92 7.5%
Nebraska $964 -$258 -21.1%
Nevada $1,464 $242 19.8%
New Hampshire $882 -$340 -27.8%
New Jersey $1,368 $146 11.9%
New Mexico $1,082 -$140 -11.5%
New York $1,288 $66 5.4%
North Carolina $704 -$518 -42.4%
North Dakota $1,000 -$222 -18.2%
Ohio $842 -$380 -31.1%
Oklahoma $1,256 $34 2.8%
Oregon $1,120 -$102 -8.3%
Pennsylvania $1,166 -$56 -4.6%
Rhode Island $1,630 $408 33.4%
South Carolina $1,106 -$116 -9.5%
South Dakota $1,032 -$190 -15.5%
Tennessee $1,070 -$152 -12.4%
Texas $1,474 $252 20.6%
Utah $906 -$316 -25.9%
Vermont $838 -$384 -31.4%
Virginia $732 -$490 -40.1%
Washington $944 -$278 -22.7%
West Virginia $1,120 -$102 -8.3%
Wisconsin $848 -$374 -30.6%
Wyoming $1,088 -$134 -11.0%

View Chart as Image

Ford Ranger insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $430 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied.

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 $1,142 $95
Ford Ranger XL 2WD $1,182 $99
Ford Ranger XL SuperCab 2WD $1,182 $99
Ford Ranger XLT 2WD $1,182 $99
Ford Ranger Sport SuperCab 2WD $1,222 $102
Ford Ranger XL SuperCab 4WD $1,194 $100
Ford Ranger XLT SuperCab 2WD $1,222 $102
Ford Ranger Sport SuperCab 2WD $1,262 $105
Ford Ranger Sport SuperCab 4WD $1,234 $103
Ford Ranger XLT SuperCab 2WD $1,262 $105
Ford Ranger XLT SuperCab 4WD $1,234 $103

Rates assume 2020 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
2020 Ford Ranger $216 $418 $430 $1,222
2019 Ford Ranger $204 $404 $442 $1,208
2011 Ford Ranger $144 $214 $478 $994
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 Find Cheaper Ford Ranger Insurance

Finding cheaper rates on Ford Ranger insurance takes being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop at least once a year by getting quotes from direct companies, and also from local insurance agencies.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save around $140 per year simply by quoting early and online
  • High-risk drivers with multiple at-fault accidents may have to pay on average $1,430 more per year than a low-risk driver
  • Increasing comprehensive and collision deductibles can save approximately $425 each year
  • Youthful drivers are the costliest to insure, as much as $395 each month if comprehensive and collision insurance is included

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 $4,740
20 $2,842
30 $1,262
40 $1,222
50 $1,120
60 $1,098

Full coverage, $500 deductibles

Rates by Deductible

Ford Ranger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,372
$500 $1,222
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

Ford Ranger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,222
50/100 $1,320
100/300 $1,428
250/500 $1,707
100 CSL $1,363
300 CSL $1,600
500 CSL $1,772

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Ranger Insurance Rates for High Risk Drivers
Age Premium
16 $6,734
20 $4,530
30 $2,700
40 $2,654
50 $2,538
60 $2,516

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 $64
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $87
5-yr Claim Free $79
Paid in Full/EFT $53
Advance Quote $59
Online Quote $85
Total Discounts $512
Rate after discounts $710

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

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