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Ford Ranger insurance rates are cheaper than the average vehicle. You can pay as low as $42 per month for Ford Ranger liability-only insurance rates. Continue reading to learn how you can save money on Ford Ranger insurance rates.
You can start comparing quotes for Ford Ranger insurance rates from some of the best auto insurance companies by using our free online tool now.
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The average Ford Ranger insurance rates are $1,254 a year or $105 a month.
The chart below details how Ford Ranger insurance rates compare to other trucks like the Toyota Tacoma, Dodge Ram, and Toyota Tundra.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| Dodge Ram | $362 | $562 | $420 | $1,524 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
The Ford Ranger trim and model you choose can impact the total price you will pay for Ford Ranger insurance coverage.
Older Ford Ranger models generally cost less to insure. 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 can have a significant effect on Ford Ranger insurance rates. As an example, a 30-year-old driver pays around $55 more each year for their Ford Ranger auto insurance than a 40-year-old driver.
Where you live can have a large impact on Ford Ranger insurance rates. For example, drivers in Los Angeles may pay $1,078 a year more than drivers in Indianapolis.
Your driving record can have an impact on your Ford Ranger auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Ranger auto insurance with violations on their driving record.
The Ford Ranger’s safety ratings will affect your Ford Ranger auto insurance rates. See the chart 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 | |
Poor Ford Ranger crash test ratings could mean higher Ford Ranger insurance rates.
| 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 | ||||
|---|---|---|---|---|
The Ford Ranger safety features can help lower insurance costs. According to AutoBlog, the 2020 Ford Ranger has the following safety features:
If you are financing a Ford Ranger, you will pay more if you purchase Ford Ranger auto insurance at the dealership, so be sure to shop around and compare Ford Ranger insurance rates from the best companies using our FREE tool below.
There are many ways that you can save on Ford Ranger auto insurance. Below are five actions you can take to find cheap Ford Ranger auto insurance rates.
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 | |||
You can start comparing quotes for Ford Ranger insurance rates from some of the best auto insurance companies by using our free online tool now.
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