Ford Ranger Car Insurance Cost
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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
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Average full coverage auto insurance premium: $110/month
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Most affordable companies: Erie ($73/month) & GEICO ($79/month)
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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.
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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:
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Arizona – $923 per year
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Kentucky – $1,128 per year
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Florida – $1,576 per year
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Georgia – $1,265 per year
- New York – $1,688 per year
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Texas – $1,203 per year
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 score, type 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
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Student discounts
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Safe drivers
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Senior discounts
With all Ford models, you can get the following car insurance discounts:
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Passive restraint systems
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Anti-lock brakes
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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 Toyota, Honda, 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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
2021 Ford Ranger
Cheapest Insurance Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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