Are Ford Rangers Expensive to Insure? [Everything You Need to Know]

If you want to buy Ford Ranger insurance coverage then a policy will cost $105/mo ($1,254/yr) on average. On average, Ford Ranger comprehensive insurance coverage costs $305, collision coverage costs $446, and liability coverage costs $354. Ford Ranger insurance costs around $265 less per year than the average vehicle. Good drivers can save up to $517 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 quite a bit less than the average vehicle with full coverage costing around $1,254 a year or $105 a month. The highest rates are for teens who pay around $4,583 a year or $382 a month.

Good drivers can save up to $517 a year in policy discounts by staying safe and courteous drivers. We’re going to take a quick 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 auto insurance rates for a Ford Ranger cost $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 Chevrolet Colorado, Honda Ridgeline, and GMC Sierra 2500HD.

Vehicle Comprehensive Collision Liability Total
Ford Ranger $254 $470 $372 $1,254
Chevrolet Colorado $254 $438 $372 $1,222
Honda Ridgeline $306 $536 $450 $1,472
GMC Sierra 2500HD $336 $656 $420 $1,592
Toyota Tacoma $294 $482 $390 $1,324
GMC Sierra $336 $594 $372 $1,460
Dodge Ram $362 $562 $420 $1,524
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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 will affect the total price you will pay for Ford Ranger insurance coverage.

Age of the Vehicle

Older Ford Ranger models generally cost less to insure. For example, auto 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
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Driver Age

Driver age can have a significant impact on the cost of Ford Ranger auto insurance. For example, 20-year-old drivers pay as much as $1,589 more each year for their Ford Ranger auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Ranger insurance rates. For example, drivers in Los Angeles may pay $179 a year more than drivers in Houston.

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 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 influenced by 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
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Ford Ranger Crash Test Ratings

Ford Ranger crash test ratings can impact the cost of your Ford Ranger car insurance. See Ford Ranger crash test results below:

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
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Ford Ranger Safety Features

The more safety features you have on your Ford Ranger, the more likely it is that you can earn a discount. 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

When financing a Ford Ranger, most lenders will require your carry higher Ford Ranger coverage options including comprehensive coverage, so be sure to shop around and compare Ford Ranger car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Ranger Insurance

You can save more money on your Ford Ranger auto insurance rates by employing any of the following five strategies.

  • Remove Unnecessary Insurance Once Your Ford Ranger is Paid Off
  • Audit Your Ford Ranger Driving When You Move to a New Location or Start a New Job
  • Purchase a Roadside Assistance Program for Your Ford Ranger
  • Ask About Loyalty Discounts
  • Start Searching for New Ford Ranger Car Insurance a Month Before Your Renewal

Top Ford Ranger Insurance Companies

Several insurance companies offer competitive rates for the Ford Ranger based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Ford Ranger drivers organized by 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
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Compare Free Ford Ranger Insurance Quotes Online

You can start comparing quotes for Ford Ranger auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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