What is the Best Car Insurance for a Ford Ranger?

The cost of Ford Ranger car insurance rates are $1,254 a year, or around $105 a month on average. Finding Ford Ranger teenager insurance rates can cost on average $4,583 a year, so shop around to find cheap coverage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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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

Don’t stress about Ford Ranger insurance rates. Ford Ranger insurance costs around $265 less per year than the average vehicle. Taking the time to understand Ford Ranger insurance rates can help you save. Keep reading to learn 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, Chevrolet Silverado, and Toyota Tundra.

Vehicle Comprehensive Collision Liability Total
Ford Ranger $254 $470 $372 $1,254
Chevrolet Colorado $254 $438 $372 $1,222
Chevrolet Silverado $322 $562 $420 $1,484
Toyota Tundra $320 $512 $440 $1,452
Dodge Ram $362 $562 $420 $1,524
GMC Canyon $270 $478 $398 $1,304
GMC Sierra 3500HD $376 $656 $420 $1,632
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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

The average Ford Ranger auto insurance rates are higher for newer models. 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 Ford Ranger auto insurance rates. For example, 20-year-old drivers pay approximately $1,534 more each year for their Ford Ranger auto insurance than 30-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 $689 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Ford Ranger car 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 car insurance rates are tied to the safety ratings of the Ford Ranger. 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

Good Ford Ranger crash test ratings can lower your Ford Ranger auto insurance rates. 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

Having a variety of safety features on your Ford Ranger can help lower your insurance costs. The 2020 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, most lenders will require your carry higher Ford Ranger coverages including comprehensive coverage, so be sure to 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 have more options at your disposal to save money on your Ford Ranger car insurance costs. For example, try these five tips:

  • Reduce Your Coverage on an Older Ford Ranger
  • Park Your Ford Ranger Somewhere Safe – like a Garage or Private Driveway
  • Reduce Modifications on Your Ford Ranger
  • Spy on Your Teen Driver
  • Move to the Countryside

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
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Start comparing Ford Ranger car insurance quotes for free by using our convenient online comparison tool.

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