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Jerry Data & Research
Cheapest 2003 Ford Ranger Car Insurance (Apr 2024)
Cheapest 2003 Ford Ranger Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2003 Ford Ranger
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2003 Ford Ranger ?
- Compare the cheapest 2003 Ford Ranger car insurance quotes
- The best car insurance companies for 2003 Ford Ranger owners
- How expensive is 2003 Ford Ranger insurance compared to other years?
- Are 2003 Ford Rangers expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2003 Ford Ranger ?
Insuring an ‘03 Ford Ranger costs between $55 and $79 per month for the average driver with minimum coverage. Trim level plays a role in which end of the price range you get.
Expect to spend more for full coverage, with an average monthly cost of $102 to $152 depending on trim level.
Average costs
are only a baseline. To get accurate custom car insurance rates for your own situation, enter your 2003 Ford Ranger details and your coverage needs into Jerry
and review free quotes. Compare the cheapest 2003 Ford Ranger car insurance quotes
From coast to coast, Jerry is helping 2003 Ford Ranger drivers get affordable car insurance premiums. Review these prices for real drivers and their Rangers—and pay close attention to the trim levels, insurance companies, and coverage levels.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 19, 2024 | Clearcover | $161 | Howard, 25 | • 100,000/300,000 Liability • Comp / Collision | |
April 11, 2024 | Progressive | $164 | Teresa, 20 Dublin, TX | • State Minimum Liability | |
April 9, 2024 | Travelers | $269 | Lillie, 22 | • 50,000/100,000 Liability • Comp / Collision | |
April 9, 2024 | Safeco | $65 | Bertie, 28 Warren, RI | • State Minimum Liability | |
April 7, 2024 | Nationwide | $67 | Georgie, 74 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 26, 2024The best car insurance companies for 2003 Ford Ranger owners
In Jerry’s nationwide survey, Ford Ranger drivers gave excellent overall ratings to Safeco and Travelers.
Be aware that the “best” company for you might be a company like USAA, Progressive, or Allstate—or a company that’s not on this list.
Every company has a unique formula for calculating rates. Plus, “best” is a matter of preference, and criteria like claims handling, car insurance cost, and customer service may matter more or less to different customers. That’s why there is no single company to recommend as the best fit for all Ranger drivers.
This data shows ratings from real 2003 Ford Ranger drivers. Companies were rated in three basic categories, plus an overall rating.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2003 Ford Ranger insurance costs
Minimum insurance coverage costs between $55 and $79 for the 2003 Ford Ranger, depending on trim level.
That’s the average price for a
basic liability
insurance policy that meets the state minimum coverage requirements
. Typically, this includes bodily injury liability and property damage liability, though in some states minimum coverage also includes PIP (personal injury protection)
and uninsured motorist
coverage.Note that minimum coverage is different in every state. For instance, in Washington it’s 25/50/10 whereas in Texas it’s 30/60/25.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $77 | $924 |
Full coverage | $197 | $2,364 |
Full coverage
costs more but it gives you and your Ford better protection. Expect to pay between $102 and $152 per month for insurance on the 2003 Ford Ranger, depending on trim level.Included in full coverage are
collision
coverage and comprehensive
coverage. Neither are legally required. However, you get a pay out (after the deductible) for damages caused by collisions, theft, vandalism, and weather. Compare insurance information for other Fords
2003 Ford Ranger insurance costs by trim level
Higher trims tend to carry higher premiums. For the 2003 Ford Ranger, that means the XL, XLT, Tremor, and Edge all have slightly different insurance costs.
An extended cab model, for instance, may cost more to insure because any damage is likely to cost more to repair. Take a look at some example costs.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2003 Super Cab | $205 | $88 |
How expensive is 2003 Ford Ranger insurance compared to other years?
The Ford Ranger has been going steady since 1983, and prices for insurance are relatively consistent across the years.
In general, older models cost less to insure. However, some Ranger model years have notably lower safety ratings—or they’re especially rare—so they cost a bit more to insure. But trim level usually matters more than model year with the Ford Ranger’s insurance costs.
Newer Ranger models typically cost more to insure because they have more complex technology—but they also have better safety features, like airbags and antilock brakes.
See for yourself how the 2003 Ford Ranger compares to other model years in this data set.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
1986 Ford Ranger | $46 | $144 |
1992 Ford Ranger | $58 | $82 |
1994 Ford Ranger | $74 | $127 |
1995 Ford Ranger | $76 | $99 |
1996 Ford Ranger | $66 | $77 |
1997 Ford Ranger | $88 | $117 |
1998 Ford Ranger | $83 | $111 |
1999 Ford Ranger | $79 | $123 |
2000 Ford Ranger | $82 | $104 |
2001 Ford Ranger | $101 | $201 |
2002 Ford Ranger | $77 | $98 |
2003 Ford Ranger | $77 | $197 |
2004 Ford Ranger | $83 | $132 |
2005 Ford Ranger | $109 | $143 |
2006 Ford Ranger | $94 | $175 |
2007 Ford Ranger | $73 | $110 |
2008 Ford Ranger | $71 | $131 |
2010 Ford Ranger | $115 | $167 |
2011 Ford Ranger | $77 | $112 |
2019 Ford Ranger | $101 | $144 |
2020 Ford Ranger | $71 | $137 |
2022 Ford Ranger | $109 | $133 |
Are 2003 Ford Rangers expensive to insure?
Ford Rangers are relatively common and replacement parts are easy to find. However, among pickup trucks in the same class, the Ranger’s insurance costs are the same or higher than average.
The Ranger’s nearest competitor from 2003 is the Toyota Tacoma, which costs between $59 and $141 per month for minimum coverage depending on trim level. The Nissan Frontier, Honda Ridgeline, and Jeep Gladiator weren’t on the market until later, so we can’t compare them based on model year alone.
Take a look at the price comparisons for the 2003 Ford Ranger and its competitors.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2003 Buick LeSabre | $72 | $139 |
2003 Ford Ranger | $77 | $197 |
2003 Toyota Tundra | $80 | $134 |
2003 Jeep Liberty | $89 | $136 |
2003 Mini Cooper | $95 | $164 |
What other factors affect 2003 Ford Ranger insurance rates?
Car insurance companies consider the following factors when generating quotes:
- Your driving record and claims history: Two drivers with the same car may pay very different prices for insurance if one has a clean driving record and the other has a ton of claims and violations. A clean driving history is the easiest way to get low rates.
- Where you keep your car: A Ford Ranger in Sacramento may cost more to insure than a Ford Ranger in Corvallis, simply due to population density and risk profile. Your zip code has a big influence on your monthly premium.
- Your age: Driver age can matter more than the vehicle age when it comes to setting rates. That’s because young drivers—especially teen drivers—are at high risk of getting into accidents and filing claims. The same is true for older drivers above 75. Both groups pay higher than average insurance rates, regardless of the car they drive.
Formulas for calculating rates are very complex, and they can take into account factors not listed here like credit score and profession.
Companies like State Farm and GEICO all have their own unique formulas, and they’re always changing. The only way to find the absolute cheapest rate is to shop around every six months.
Jerry
can pull quotes for free in less than 45 seconds on your smartphone. 2003 Ford Ranger insurance costs for young drivers
Sorry, teens—
drivers between 16 and 19
will pay high monthly premiums with the 2003 Ford Ranger. That’s true regardless of insurance provider.These auto insurance rates tend to decrease after the age of 25 with safe driving habits. Teens can save money by staying on a parent’s policy and qualifying for good student discounts.
Check out these sample rates for young drivers with ‘03 Rangers.
Virginia (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$269
per month
Patrick (21 years old)
$112
per month
2003 Ford Ranger insurance costs for senior drivers
Older drivers have more experience on the road, and this typically translates to affordable premiums. Unfortunately, this ends around age 75 when
senior drivers
face a higher likelihood of getting into an accident. The cost of recovery after an accident increases with age, too, which is a key reason that seniors pay higher-than-average prices for coverage.
Here’s how much senior drivers with 2003 Ford Rangers pay for car insurance.
Theresa (65 years old)
$93
per month
Jorge (74 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$68
per month
2003 Ford Ranger insurance cost for drivers with driving violations
From speeding tickets to reckless driving charges, Ford Ranger drivers with violations can expect to pay higher-than-average premiums.
Serious charges like DUI convictions may stay on your record for many years—and raise your rates long-term. However, minor violations like failing to use a turn signal may only carry a temporary penalty.
See how rates can change for 2003 Ford Ranger drivers with various violations on record.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $95 | Ruth, 23 Williamsburg, MO | • State Minimum Liability • Comp / Collision |
Last Updated Apr 26, 2024How can I lower the cost of insurance for my 2003 Ford Ranger?
The easiest way to save is switching to a company that offers the same coverage at a better rate.
Shop for lower rates
with Jerry
by entering your details and preferred coverage options into the app. You’ll get at least three free auto insurance quotes to review.You can also try one of these tactics to cut costs on Ranger insurance:
- Enroll in a usage-based insurance program: Drive less, save more. Most companies offer telematics or UBI programs that allow you to earn rewards with minimal effort. Plus,
- Increase your deductible: If you have a full coverage policy on your 2003 Ford Ranger—and you can afford a higher out of pocket payment—then you can lower your monthly insurance price.
- Bundlemultiple policies: Most carriers will offer a discount of approximately 15% if you also have home or renters insurance. Bundling with homeowners is relatively easy to do, and most insurance agents are happy to help you manage this process. Plus, it makes accounting so much easier!
- Check fordiscounts: From paperless billing to good driver behavior, you can get rewarded for lots of things by most insurance carriers. Ask your insurer what car insurance discounts they offer and see if you can stack multiple discounts for a bigger overall price cut.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
