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The average cost of car insurance for Ford Ranger owners is $2,764 a year. However, exact rates vary from model to model: for instance, the Mustang Shelby Gt350 costs $197 more per year to insure than the Escort Gt.
Ford Ranger car insurance cost
One of the primary determining factors for your Ford Ranger insurance rate is the age of your vehicle. Here's how much it costs to insure your Ranger by car year:
| Model year | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 2011 | $3,342 | $1,267 |
| 2010 | $4,683 | $2,341 |
| 2009 | $1,198 | $238 |
| 2008 | $1,843 | $660 |
| 2007 | $5,130 | $1,138 |
| 2006 | $1,794 | $218 |
| 2005 | $3,132 | $940 |
| 2004 | $1,792 | $466 |
| 2003 | $1,962 | $737 |
| 2002 | $2,191 | $773 |
If you drive a Ford Ranger , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:
Best car insurance companies for your Ford Ranger
If you drive a Ford, you probably put a high value on the things Ford does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Ford Ranger drivers.
| Insurance company | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Assurance America | $2,832 | $1,357 |
| Progressive | $2,300 | $847 |
| Clearcover | $1,846 | $796 |
| Allstate | $1,909 | $672 |
| National General | $1,926 | $635 |
The General | $2,160 | $602 |
| Kemper | $1,750 | $493 |
| State Auto | $1,496 | $245 |
| Aspire Advantage | $1,204 | $178 |
| Travelers | $1,752 | $106 |
Compare car insurance quotes for Ford Ranger
But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Ford insurance in the app!
| Quote Date | Zip Code | State | City | Name | Age | Insurance Company | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| January 11, 2023 | 33782 | FL | Pinellas Park | Luella S. | 35 | Bristol West | $1,000 | $866 |
| November 3, 2022 | 24283 | VA | Saint Paul | George C. | 20 | Dairyland | $2,400 | $1,511 |
| September 15, 2022 | 30083 | GA | Stone Mountain | Sarah L. | 59 | Progressive | $1,200 | $1,118 |
| June 3, 2022 | 70057 | LA | Hahnville | Marc K. | 43 | National General | $2,220 | $956 |
| December 13, 2021 | 45458 | OH | Dayton | Aaron M. | 53 | Electric | $1,080 | $742 |
Best car insurance companies for Ford Ranger drivers with bad driving records
Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,220 | $756 |
| Suspension | $6,048 | $3,005 |
| Careless Driving | $4,611 | $2,328 |
| Failure to Obey Traffic Sign | $3,663 | $1,645 |
| Improper Passing | $2,484 | $1,367 |
| Cell Phone | $5,448 | $1,197 |
| Speeding over 15 | $4,243 | $1,015 |
| Driving on Sus. License | $1,776 | $757 |
| Speeding under 15 | $2,580 | $746 |
| Racing/Drag Racing | $1,376 | $308 |
How much does Ford Ranger insurance go up after a DUI?
If you get a DUI while driving your Ranger, you can expect your premium to increase by an average of 27%.
How much does Ford Ranger insurance go up after a speeding ticket?
We’ve all been there. If you get a speeding ticket in your Ranger, your insurance premium could increase by an average of 67%.
Best Car Insurance for Ford Ranger by Age
If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $3 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.
Best Car Insurance for Ford Ranger by Location
Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Ford Ranger drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
| Quote Date | Car | Before Jerry | After Jerry | Zip code | State | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| December 13, 2021 | Ford Ranger | $90/mo. | $62/mo. | 45458 | OH | Leon H. | 53 | Electric |
| January 11, 2023 | Ford Ranger | $83/mo. | $72/mo. | 33782 | FL | Della C. | 35 | Bristol West |
| June 3, 2022 | Ford Ranger | $185/mo. | $80/mo. | 70057 | LA | Antonio S. | 43 | National General |
| September 15, 2022 | Ford Ranger | $100/mo. | $93/mo. | 30083 | GA | Janie J. | 59 | Progressive |
| November 3, 2022 | Ford Ranger | $200/mo. | $126/mo. | 24283 | VA | Michael M. | 20 | Dairyland |
Driving a Ford Ranger
Among mid-level trucks, the Ford Ranger is an ever-improving option offering comfort and class-leading towing performance. Car and Driver rates it 7/10, and it starts at around $26,000.Ford has been revamping its truck lines over the years, and the 2021 Ranger is one of the sleekest and most reliable editions yet. With a powerful turbocharged engine, as well as impressive driver-safety features, the Ranger suits workers and pickup enthusiasts alike.It’s available in multiple levels of luxury, too, with the top trim boasting a fancier interior and bigger engine than its entry-level counterparts. Regardless of which edition you have your eyes on, the Ranger needs to have the right insurance to keep you on the road safely. That’s why car insurance has compiled all there is to know about keeping you safe and secure in a Ford Ranger. widget8 What kind of insurance do I need for a Ford Ranger?Regardless of what state you’re in, there are some minimum insurance requirements. First, you're going to need liability insurance, which covers other drivers for any damages if you’re at fault at a collision. Most states have minimum requirements per person—so check with your insurance provider to see how much financial coverage you’re going to need. For the Ranger, some other coverage needs to be considered. While the truck is reliable, its parts tend to be a bit pricier and bulkier. Therefore, the more coverage you have, the better. That doesn’t mean your package has to be too expensive, though. Especially if you use Jerry to compare prices!Regardless, here are a few things to keep in mind when picking the right policy for you. Cost A brand new base-level Ranger will cost you about $26,000—slightly below average among mid-level trucks. For a few extra features, that fee can rise to $37,000. And if you fancy a bit more luxury and performance, the so-called “Lariat” edition will set you back almost $46,000.You should make sure you make good on that investment. After all, a heavy price tag is worth protecting. Therefore,full-coverage insurance is a good idea. That usually includes: Collision coverage, which covers any damage on your vehicle that results from a collision with another vehicle or stationary object. Comprehensive coverage which pays for any damage sustained as a result of extreme weather, vandalism, theft, or any unexpected incidents.It’s best to prepare for the worst—and full-coverage insurance helps you do just that.MORE: Types of insurance Trim levels The base level trim on the Ranger doesn’t look super fancy. That doesn’t mean it lacks features, though. Drivers and passengers alike can enjoy rear and front climate control, as well as a touch screen center console to scroll through various entertainment options. Everything is pretty intuitive, too. For the Lariat version, things get fancier. Leather seats, striking accents, and a more sleek feel are plenty to differentiate between the two models. There’s also a 10 speaker Bang and Olufsen sound system for an immersive audio experience. All price ranges feature a roughly equivalent turbocharged engine that can easily haul whatever’s in the back. Choosing the right edition isn’t easy—there are loads of good option depending on what you’re looking for. Either way, it’s best to have the maximum amount of coverage should things go wrong. Unfortunately, if you get into an accident and total your new Ford Ranger, insurance will only cover the actual cash value—and thanks to depreciation, it won’t be enough to buy a brand new model. So, we’d recommend New car replacement insurance, which allows you to get a new or comparable make and model if your car is totaled after a claimable accident. Materials The good news is that Ford uses fairly normal materials for the Ranger. There aren’t any parts that are too hard to come by. Even the fancier safety features are pretty easily replaceable.That doesn’t take anything away from the desirability or workability of the vehicle. You still need to make sure you have the right kit to repair your car in the event of a collision. That’s why you should look into Original equipment manufacturer . It ensures that if your car needs to be repaired, the mechanic won’t use aftermarket parts. It also means that your insurance will pay for the cost of OEM parts, which standard policies typically don't cover. > Key Takeaway Go beyond basic liability insurance to protect your Ford Ranger with comprehensive and collision coverage. New car replacement insurance and OEM coverage are also helpful if you get into an accident. widget8 How can I save money when insuring my Ford Ranger?It’s normal to want the right coverage at the right price point. Luckily, there are a few things to do that will help you cut costs. MORE: The top 10 cheapest trucks to insure Comparison shop Comparison shopping is the best way to save money on car insurance. Usually, that would mean filling out a ton of forms, making many phone calls, and spending hours talking to agents. But not with Jerry! A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top insurance companies and finalizing your new car insurance. Jerry will even cancel your old policy for you.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. > Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want. Opt for a lower trim level Although leather seats look nice, and it might be convenient to have your texts flash up on the center console, sometimes the extras aren’t essential. The good thing is these days you can customize your interior pretty easily when you buy— so you should look at cutting costs by omitting some unnecessary perks. You can do the same for performance. Perhaps it’s safe to opt-out of the off-road tires and all- terrain suspension if you know you’re not going to be in dirt all day. Skip the extra features The Ford Ranger base model provides a lot of comfort and luxury—especially for its price point. Still, tons of add-ons can be tagged on for a little more cash. Whether it be the 10 speaker sound system or leather trim, the options are endless. Even if you have the cash to throw those in, the extras come at a significant insurance cost. Some sound systems even require their own coverage. Look into dropping some of those extras to make your insurance premium a little bit cheaper! Invest in better safety features and anti-theft systems Better safety features usually minimize the likelihood of a collision or make it less likely that your vehicle will be damaged. And the more impressive your safety tech is, the more likely insurance companies are to give you a break.The Ford Ranger has several options that might be worth looking into. The “technology” package comes with adaptive cruise control and front parking sensors. Rear parking sensors, lane-keeping assist, and blind-spot monitoring are also available. An anti-theft system is also standard, with a light on the dashboard informing you when it needs maintenance. That will significantly decrease the chances of your car getting stolen, but you might want to look into some aftermarket systems, too.MORE: The best vehicle anti-theft devices to keep your car safe Keep a clean driving record The easiest way to keep your premiums down is to prove that you’re a safe driver. That means avoiding speeding, DUIs, reckless driving, and any other major violations. Try to keep minor infractions, like seat belt law violations, off your record, too. If insurance companies see that you’re reliable, your costs should shrink.MORE: Tips to get a clean driving record Look for discounts Insurance companies offer lots of discounts these days. Whether it be having several cars on one policy or maintaining good grades in school, there are many ways to save. See how many of those you can rack up to bring your costs down. Remember, not all insurers advertise every single discount—so it never hurts to ask. Jerry will also provide the inside scoop when you sign up!
If you own a Ford Ranger , here’s what you need to know about your vehicle:
- The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
- Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
- If you bought your Ford Ranger new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Ford Ranger is worth, the more you’ll pay to insure and drive it.
How can you save money on insurance for a Ford Ranger?
The average annual cost to insure a model is $2,764. But who says you have to be average? Here are a few hacks to help you save money on insurance.
Compare rates
You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!
Drive well to save
That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
Ford Ranger car insurance cost
Best car insurance companies for your Ford Ranger
Compare car insurance quotes for Ford Ranger
Best car insurance companies for Ford Ranger drivers with bad driving records
Best Car Insurance for Ford Ranger by Age
Best Car Insurance for Ford Ranger by Location
How can you save money on insurance for a Ford Ranger?
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