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Ford Ranger Insurance Cost [Guide + Free Quotes]

Ford Ranger insurance coverage costs around $105 per month ($1,254 per year) on average. Comprehensive, collision, and liability insurance cost around $305, $446, and $354, respectively. Good drivers can save up to $517 a year on these prices by earning discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 27, 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

Ford Ranger insurance rates are about $265 less per year than the average vehicle with full coverage averaging $1,254 a year or $105 a month. The highest rates are for teen drivers who pay around $4,583 a year or $382 a month.

Good drivers can get up to $517 in policy discounts for being a safe driver. Let’s take a look at Ford Ranger insurance rates, crash test ratings, and more.

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 car insurance costs for a Ford Ranger 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 Nissan Frontier, Chevrolet Silverado, and GMC Canyon.

Vehicle Comprehensive Collision Liability Total
Ford Ranger $254 $470 $372 $1,254
Nissan Frontier $294 $500 $420 $1,394
Chevrolet Silverado $322 $562 $420 $1,484
GMC Canyon $270 $478 $398 $1,304
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Toyota Tacoma $294 $482 $390 $1,324
Toyota Tundra $320 $512 $440 $1,452

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

The average Ford Ranger car insurance rates are higher for newer models. 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 Year Comprehensive Collision Liability Total
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 impact on Ford Ranger auto insurance rates. As an example, a 40-year-old driver could pay $132 less each month for their Ford Ranger auto insurance compared to a 20-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 $464 a year more than drivers in Philadelphia.

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 sees the highest jump in their Ford Ranger car insurance with violations on their driving record.

Ford Ranger Safety Ratings

Your Ford Ranger auto insurance rates are tied to the Ford Ranger’s safety ratings. See the breakdown below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety

Ford Ranger Crash Test Ratings

Ford Ranger crash test ratings will affect your Ford Ranger car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Ford Ranger Super Crew PU/CC 4WD 4 stars 4 stars 5 stars 3 stars
2020 Ford Ranger Super Crew PU/CC 2WD 4 stars 4 stars 5 stars 3 stars
2020 Ford Ranger Super Cab PU/EC 4WD N/R N/R N/R 3 stars
2020 Ford Ranger Super Cab PU/EC 2WD N/R N/R N/R 3 stars
2019 Ford Ranger Super Crew PU/CC 4WD 4 stars 4 stars 5 stars 3 stars
2019 Ford Ranger Super Crew PU/CC 2WD 4 stars 4 stars 5 stars 3 stars
2019 Ford Ranger Super Cab PU/EC 4×4 N/R N/R N/R 3 stars
2019 Ford Ranger Super Cab PU/EC 4×2 N/R N/R N/R 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Ranger Safety Features

Having a variety of safety features on your Ford Ranger can help lower your Ford Ranger insurance costs. The Ford Ranger’s safety features include:

  • 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, you will pay more if you purchase Ford Ranger auto insurance at the dealership, so be sure to shop around and compare Ford Ranger auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Ford Ranger Insurance

If you want to reduce the cost of your Ford Ranger insurance rates, follow these tips below:

  • Use a Service Like Turo to Rent Out Your Ford Ranger
  • Be Picky About Who Drives Your Ford Ranger
  • Audit Your Ford Ranger Driving When You Move to a New Location or Start a New Job
  • Ask About Farm and Ranch Vehicle Discounts
  • Re-Check Ford Ranger Quotes Every 6 Months

Top Ford Ranger Insurance Companies

The best auto insurance companies for Ford Ranger car insurance rates will offer competitive rates, discounts, and account for the Ford Ranger’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Ford Ranger Insurance Quotes Online

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

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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