Compare Ford Ranger Insurance Rates [Everything You Need to Know]
Ford Ranger insurance rates cost $1,254 a year, or around $105 a month. You can find cheap Ford Ranger insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $737 a year.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 24, 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 cheaper than the average vehicle. You can pay as low as $42 per month for Ford Ranger liability-only insurance rates. Continue reading to learn how you can save money on Ford Ranger insurance rates.
You can start comparing quotes for Ford Ranger insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Ford Ranger Insurance Cost
The average Ford Ranger insurance rates 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 Toyota Tacoma, Dodge Ram, and Toyota Tundra.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
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
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 |
Driver Age
Driver age can have a significant effect on Ford Ranger insurance rates. As an example, a 30-year-old driver pays around $55 more each year for their Ford Ranger auto insurance than a 40-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 $1,078 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on your Ford Ranger auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Ranger auto insurance with violations on their driving record.
Ford Ranger Safety Ratings
The Ford Ranger’s safety ratings will affect your Ford Ranger auto insurance rates. See the chart 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
Poor Ford Ranger crash test ratings could mean higher Ford Ranger 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
The Ford Ranger safety features can help lower insurance costs. According to AutoBlog, the 2020 Ford Ranger has the following safety features:
- 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 insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Ford Ranger Insurance
There are many ways that you can save on Ford Ranger auto insurance. Below are five actions you can take to find cheap Ford Ranger auto insurance rates.
- Remove Unnecessary Insurance Once Your Ford Ranger is Paid Off
- Spy on Your Teen Driver
- Provide Your Ford Ranger VIN When Requesting Ford Ranger Auto Insurance Quotes
- Re-Check Ford Ranger Quotes Every 6 Months
- Drive Your Ford Ranger Safely
Top Ford Ranger Insurance Companies
Who is the top auto insurance company for Ford Ranger insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Ranger auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Ranger offers.
| 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 rates from some of the best auto insurance companies by using our free online tool now.