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 insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Ford Ranger? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford Range insurance facts

  • Average full coverage auto insurance premium: $110/month

  • Most affordable companies: Erie ($73/month) & GEICO ($79/month)

  • Ranger insurance cost vs. average rates: $82 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford Ranger by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

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

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Below average Ford Ranger insurer costs by state:

Risk factors affecting Ford Ranger car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford Ranger car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford Ranger repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford Ranger affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Ford Ranger

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1459
Auto-Owners$996
Cincinnati Insurance$1834
Direct Auto$1759
Erie$880
GEICO$923
Kentucky Farm Bureau$1586
Liberty Mutual$1338
MetLife$1896
Nationwide$1273
Plymouth Rock Insurance$1569
Progressive$1571
State Farm$1053
Tennessee Farmers$947
Texas Farm Bureau$1167
The Hanover$1716
Travelers$1027
USAA$1080

Compare all 2021 Ford Ranger rates

Average Cost to Insure Per Year

$1320

List Price

$24820

Trims Available

XL - XLT - XL Fleet - Sport - Base Engine: 2.3-liter EcoBoost turbo-four at 270 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2020 Ford Ranger

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1448
Auto-Owners$981
Erie$876
Farmers$1591
GEICO$921
Liberty Mutual$1330
Mercury$1524
MetLife$1849
Nationwide$1265
Progressive$1560
State Farm$1048
Tennessee Farmers$943
Texas Farm Bureau$1162
The Hanover$1711
Travelers$1025
USAA$1075

Compare all 2020 Ford Ranger rates

Average Cost to Insure Per Year

$1237

List Price

$24110

Trims Available

XL - XLT - XL Fleet - Sport - Base Engine: 2.3-liter EcoBoost turbo-four at 270 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford Ranger

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1435
Auto-Owners$975
Erie$869
GEICO$899
Kentucky Farm Bureau$1629
Liberty Mutual$1329
Mercury$1490
MetLife$1835
Nationwide$1263
Progressive$1548
State Farm$1046
Tennessee Farmers$935
Texas Farm Bureau$1154
The Hanover$1706
Travelers$1023
USAA$1065

Compare all 2019 Ford Ranger rates

Average Cost to Insure Per Year

$1216

List Price

$24000

Trims Available

XL - XLT - XL Fleet - Sport - Base Engine: 2.3-liter EcoBoost turbo-four at 270 horsepower with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2011 Ford Ranger

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 843
Allied$ 843
American Family$ 874
American Family$ 874
Arbella$ 840
Arbella$ 840
Country$ 861
Country$ 861
Erie$ 565
Erie$ 565
GEICO$ 428
GEICO$ 428
Progressive$ 672
Progressive$ 672
State Farm$ 630
State Farm$ 630
Tennessee Farmers$ 712
Tennessee Farmers$ 712
Texas Farm Bureau$ 524
Texas Farm Bureau$ 524
USAA$ 594
USAA$ 594
Vermont Mutual$ 626
Vermont Mutual$ 626

Compare all 2011 Ford Ranger rates

Average Cost to Insure Per Year

$ 759

List Price

$ 18160

Trims Available

XL - XLT - XL Fleet - Sport