Ford Ranger Car Insurance
- The cost to insure a Ford Ranger will depend on the model year, trim level, and where you live. Compare personalized rates today.
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Call a licensed agent: 833-964-9663
Call a licensed agent: 833-964-9663
No phone or email required. Seriously.
The cost to insure a Ford Ranger will depend on the model year, trim level, and where you live. Compare personalized rates today.
No email or phone number required. Seriously.
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Our rates are based on real results quoted to past users in the last 18 months. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Our rates are based on real results quoted to past users in the last 18 months. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Last updated: January 6th, 2025
Overall, the average cost of car insurance for a Ford Ranger is lower than the general average for all vehicles. The trim level of the vehicle can affect insurance rates, with higher trim levels often costing more to insure due to their increased value and features. For example, the Ranger XL may have basic features that could make it less expensive to insure compared to higher trim levels with more advanced features. So, while the Ford Ranger may not be the most expensive vehicle to insure, factors like model year and trim level can impact insurance costs.
See what it would cost to insure your Ford Ranger at the top insurance companies near you >
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When it comes to the vehicle you drive, the year, trim level, and safety features of your Ford Ranger will impact the price you pay for car insurance.
The trim level of your Ford Ranger will impact the price you pay for insurance. Some trim levels will have new safety features that could get you a discount, depending on your insurance company. Other trim levels add features that will increase the value of your Ford, which will make it more expensive to repair or replace – and insure.
The trim level of your Ford Ranger will impact the price you pay for insurance. Some trim levels will have new safety features that could get you a discount, depending on your insurance company. Other trim levels add features that will increase the value of your Ford, which will make it more expensive to repair or replace – and insure.
Compare the base model Ford Ranger XL to your trim level to see how the trim might impact your rates.
The model year of your Ford Ranger will also impact the cost of car insurance. Generally, newer models cost more to insure than older models, so you can expect older model years to be less expensive than the newest Ford Ranger.
The model year of your Ford Ranger will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2025 Ranger XL costs about $2,448 to insure on average, so you can expect older model years to be less expensive.
The table below shows the average cost to insure different Ranger XL model years in 2025.
If you’re in the market for a Pickup Truck, it’s a good idea to see how the Ford Ranger stacks up when it comes to insurance. In general, luxury and performance vehicles will be the most expensive to insure in a vehicle class. Economy brands usually have the cheapest insurance rates.
If you’re in the market for a Pickup Truck, it’s a good idea to see how the Ford Ranger stacks up when it comes to insurance. In general, luxury and performance vehicles will be the most expensive to insure in a vehicle class. Economy brands usually have the cheapest insurance rates.
See how expensive it is to insurance a Ford Ranger compared to popular other Pickup Trucks.
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Because car insurance is highly personalized, the cost of your insurance will depend on many factors. There are both vehicle-related factors (such as safety features, repair costs, and likelihood of theft) and driver-related factors like where you live and your driving habits.
Car insurance companies consider many factors when coming up with the price they’ll charge you for a policy. Your vehicle is an important one of these factors. You will typically pay less if your vehicle:
On the other hand, you can expect to pay more for your insurance if your vehicle has a high value or expensive features, modifications, or replacement parts. Vehicles with a high theft rate are also usually more expensive to insure.
Beyond your vehicle itself, insurance companies may also look at your driving habits: how much you drive and what you use your car for. Drivers who use their cars for business or rideshare may pay higher insurance rates. Whereas drivers who have a low annual mileage might pay less.
Other driver-related factors that insurance companies use in their rate calculations include:
The car insurance you need depends on where you live, if you own your Ford Ranger, and your personal needs.
Almost every state has regulations around the minimum coverage types and limits you need. However, you may want more coverage than your state’s requirements. If you lease or finance your Ford, your lender may have requirements for how much insurance you need as well.
These are some common types of car insurance coverage you can consider:
1. Liability coverage
In almost every state, liability coverage is required by law. Liability insurance helps cover damage to property and others in an accident you cause.
2. Collision insurance
Collision insurance helps cover damage to your own property in an accident you cause. Collision insurance has a deductible which you have to pay before your insurance kicks in to cover the rest of a claim. If you lease or finance your Ford Ranger, you may be required to carry collision coverage.
3. Comprehensive insurance
Comprehensive insurance helps cover damage to your property caused by a non-collision incident. Covered incidents usually cover things like weather damage, theft, or hitting an animal. Comprehensive insurance also has a deductible, and your lender may require you to have this coverage if you lease or finance your Ford Ranger.
4. PIP or Medical Payments
In some states, Personal Injury Protection (PIP) or Medical Payments coverage is required. This helps cover medical expenses if you or your passengers are injured in an accident.
5. Uninsured/Underinsured motorist coverage
This type of coverage (required in some states) helps cover repairs to your property if you are in an accident with an uninsured driver. This also usually covers hit and run accidents.
6. Additional coverage or endorsements
The vehicle you drive plays a key role in the price you pay for insurance. However, other factors like where you live, your age, driving record, and many more also factor into the price of your policy. Here are some ways to try to bring the price you pay to insure your Ranger XL down:
While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Here are some ways to try to bring the price you pay to insure your Ford Ranger down:
The only way to know you’re not overpaying for car insurance:
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