UPDATED: Oct 27, 2020
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- 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.
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.
|GMC Sierra 3500HD||$376||$656||$420||$1,632|
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.
|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 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.
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:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Acceptable|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
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:
|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 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.
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.
|Source: Insurance Information Institute|
Compare Free Ford Ranger Insurance Quotes Online
Start comparing Ford Ranger car insurance quotes for free by using our convenient online comparison tool.