Buy Cheap Ford Ranger Auto Insurance in 2024
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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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jul 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Jul 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
Read more: Buy Cheap Chevrolet Auto Insurance
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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Frequently Asked Questions
Can I buy cheap auto insurance for my Ford Ranger in 2023?
Yes, it is possible to find affordable auto insurance for your Ford Ranger in 2023. There are several factors that can affect the cost of insurance, including your driving record, location, coverage options, and insurance company.
What steps can I take to find cheap auto insurance for my Ford Ranger?
Here are a few steps you can take to find affordable auto insurance for your Ford Ranger:
- Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options.
- Increase your deductible: Choosing a higher deductible can lower your premium but remember to set it at a level you can comfortably afford.
- Maintain a clean driving record: A good driving history can help you secure lower insurance rates.
- Consider bundling: If you have other insurance policies, such as home or renters insurance, bundling them with your auto insurance may lead to discounts.
- Explore discounts: Inquire about any available discounts such as multi-car, safe driver, or low mileage discounts that can help reduce your premiums.
Are there any downsides to buying cheap auto insurance?
While cheap auto insurance may save you money in the short term, there can be downsides to consider:
- Limited coverage: Cheaper insurance policies may offer less coverage, leaving you financially vulnerable in the event of an accident or damage.
- Higher deductibles: Cheap policies often come with higher deductibles, which means you’ll have to pay more out of pocket before your insurance coverage kicks in.
- Poor customer service: Some low-cost insurance providers may not provide the same level of customer service and support as more reputable and higher-priced insurers.
What are the pros of buying cheap auto insurance?
There are several advantages to buying cheap auto insurance:
- Cost savings: Cheap insurance can provide significant savings on your monthly or annual premiums.
- Legal compliance: Auto insurance is required by law in most jurisdictions, so having a cheap policy ensures you meet the legal requirements.
- Basic coverage: Cheap insurance typically provides the basic coverage needed for liability and property damage protection.
How can I ensure I’m getting the best value for my cheap auto insurance?
To ensure you’re getting the best value for your cheap auto insurance, consider the following:
- Compare quotes: Obtain quotes from multiple insurance providers and compare coverage options, deductibles, and premiums.
- Read reviews: Research the reputation and customer reviews of the insurance companies you are considering to ensure they provide reliable service.
- Understand the coverage: Make sure you understand the coverage limits and exclusions of the policy to ensure it meets your needs.
Compare Quotes From Top Companies and Save
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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.