Ford Ranger Car Insurance Cost 2025
On average, insuring a Ford Ranger costs $2,264 annually. However, your actual rate may vary depending on factors like your age, the vehicle’s model year, and other personal details. Check out our quote tables below for a customized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Ford Ranger, one important aspect to consider is the cost of insurance. Insurance plays a major role in owning a car, and it’s crucial to understand its implications before making your purchase. On average, insurance for a Ford Ranger cost $2,264 per year.
Choosing the right car insurance policy is essential to avoid unexpected and potentially high expenses in the future. It’s vital to ensure you have adequate coverage in case of an accident to avoid hefty out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors such as your age, driving record, and even your location can significantly impact your insurance premiums.
How Much Does A Ford Ranger Car Insurance Cost?
Ford Ranger drivers typically pay an average of $2,264 annually for car insurance.
While Metropolitan’s pricing serves as a useful reference point, it’s essential to understand that car insurance costs can vary significantly based on various factors. These factors include your location, driving history, the year of your car model, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a history of accidents or traffic violations can raise your costs.
Moreover, residing in urban areas with heavy traffic may lead to higher rates compared to rural areas with lighter traffic. The type of coverage you opt for will also affect your premium; comprehensive coverage, encompassing both comprehensive and collision coverage, generally costs more than minimum liability coverage.
Insuranceopedia is available to assist you in exploring and comparing quotes from different insurance companies to ensure you secure the best deal.
Average Insurance Cost Of Ford Ranger By Model Year
| Model Year | Average Premium |
| 2024 Ford Ranger | $8,146 |
| 2023 Ford Ranger | $1,009 |
| 2022 Ford Ranger | $789 |
| 2021 Ford Ranger | $649 |
| 2020 Ford Ranger | $901 |
| 2019 Ford Ranger | $712 |
| 2018 Ford Ranger | $2,374 |
| 2017 Ford Ranger | $1,748 |
| 2016 Ford Ranger | $2,265 |
| 2015 Ford Ranger | $1,179 |
| 2014 Ford Ranger | $1,124 |
| 2013 Ford Ranger | $1,709 |
| 2012 Ford Ranger | $2,135 |
| 2011 Ford Ranger | $504 |
| 2010 Ford Ranger | $538 |
2024 Ford Ranger Insurance Rates
The average annual insurance cost for a 2024 Ford Ranger is $8,146. However, Metropolitan offers the cheapest rates, averaging $1,790 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Ins of MI | $3,377 |
| Hanover | $13,949 |
| Bristol West | $5,498 |
| Farmers | $13,952 |
| Metropolitan | $1,790 |
| Encompass | $10,309 |
2023 Ford Ranger Insurance Rates
The average annual insurance cost for a 2023 Ford Ranger is $1,009. However, Nationwide offers the cheapest rates, averaging $48 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $48 |
| Encompass | $1,515 |
| Safeco | $1,089 |
| USAA | $903 |
| Texas Farm Bureau Group | $454 |
| Esurance | $1,340 |
| Republic Indemnity | $1,129 |
| Chubb | $1,487 |
| State Farm | $841 |
| Unitrin | $1,279 |
2022 Ford Ranger Insurance Rates
The average annual insurance cost for a 2022 Ford Ranger is $789. However, Safeco offers the cheapest rates, averaging $316 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $970 |
| Mercury Insurance | $429 |
| Nationwide | $1,213 |
| Victoria | $350 |
| New York Central Mutual Fire | $925 |
| Southern Farm Bureau | $1,147 |
| National General Value | $611 |
| Safeco | $316 |
| Plymouth Rock Assurance | $1,090 |
| National General | $835 |
2021 Ford Ranger Insurance Rates
The average annual insurance cost for a 2021 Ford Ranger is $649. However, American National P offers the cheapest rates, averaging $300 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $424 |
| Buckeye Insurance Group | $727 |
| Pekin Insurance | $735 |
| Concord Group | $589 |
| National General | $670 |
| Safeco | $598 |
| Mercury Insurance | $746 |
| Plymouth Rock Assurance | $808 |
| American National P | $300 |
| MMG Insurance Company | $896 |
2020 Ford Ranger Insurance Rates
The average annual insurance cost for a 2020 Ford Ranger is $901. However, National General Value offers the cheapest rates, averaging $571 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,145 |
| Colorado Farm Bureau Mutual | $1,142 |
| Countryway Insurance | $982 |
| New Jersey Manufacturers | $1,116 |
| Plymouth Rock | $770 |
| Safeco | $774 |
| National General Value | $571 |
| Erie | $1,096 |
| American National P | $718 |
| NatGen Value | $695 |
2019 Ford Ranger Insurance Rates
The average annual insurance cost for a 2019 Ford Ranger is $712. However, American National P offers the cheapest rates, averaging $330 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $358 |
| Buckeye Insurance Group | $874 |
| Countryway Insurance | $933 |
| Safeco | $541 |
| Hastings Mutual Insurance Co | $854 |
| Pekin Insurance | $697 |
| Direct Auto | $730 |
| Dairyland Broadform | $883 |
| American National P | $330 |
| Dairyland FR Bond | $919 |
2018 Ford Ranger Insurance Rates
The average annual insurance cost for a 2018 Ford Ranger is $2,374. However, State Farm offers the cheapest rates, averaging $553 per year.
| Insurance Provider | Average Annual Cost |
| Home State Ins Group | $2,259 |
| Direct General Insurance | $2,895 |
| Safe Auto | $4,898 |
| State Farm | $553 |
| Nationwide | $2,374 |
| Metropolitan | $2,075 |
| Permanent General | $3,377 |
| National General | $3,014 |
| Allstate | $865 |
| Mercury | $1,432 |
2017 Ford Ranger Insurance Rates
The average annual insurance cost for a 2017 Ford Ranger is $1,748. However, State Farm offers the cheapest rates, averaging $690 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $690 |
| Virginia Farm Bureau | $898 |
| Hastings Mutual Insurance Co | $1,132 |
| Travelers | $1,339 |
| Farmers | $1,744 |
| Permanent General | $2,108 |
| Mercury | $2,201 |
| Safeco | $2,392 |
| Allied | $2,450 |
| Metropolitan | $2,523 |
2016 Ford Ranger Insurance Rates
The average annual insurance cost for a 2016 Ford Ranger is $2,265. However, State Farm offers the cheapest rates, averaging $558 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $2,112 |
| State Farm | $558 |
| National General | $1,423 |
| Home State Ins Group | $2,115 |
| Mercury | $1,296 |
| Safe Auto | $6,294 |
| Mercury Insurance | $1,551 |
| Nationwide | $1,041 |
| Dairyland Auto | $3,992 |
2015 Ford Ranger Insurance Rates
The average annual insurance cost for a 2015 Ford Ranger is $1,179. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $456 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $456 |
| American Family | $798 |
| Victoria | $853 |
| Western National | $946 |
| Nationwide | $1,119 |
| Allied | $1,214 |
| Mercury | $1,553 |
| Bristol West | $1,592 |
| Travelers | $1,601 |
| Unitrin | $1,662 |
2014 Ford Ranger Insurance Rates
The average annual insurance cost for a 2014 Ford Ranger is $1,124. However, State Farm offers the cheapest rates, averaging $678 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $678 |
| Victoria | $718 |
| Allstate | $800 |
| Auto-Owners Insurance Co | $958 |
| Encompass | $1,046 |
| Mercury Insurance | $1,179 |
| Mercury | $1,343 |
| Hanover | $1,388 |
| National Farmers Union P | $1,474 |
| Sentry | $1,653 |
2013 Ford Ranger Insurance Rates
The average annual insurance cost for a 2013 Ford Ranger is $1,709. However, Allied offers the cheapest rates, averaging $707 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $707 |
| Sentry | $4,437 |
| Penn National | $1,939 |
| Metropolitan | $1,525 |
| Travelers | $1,482 |
| Farmers | $1,604 |
| Bristol West | $1,107 |
| Allstate | $871 |
2012 Ford Ranger Insurance Rates
The average annual insurance cost for a 2012 Ford Ranger is $2,135. However, Allstate offers the cheapest rates, averaging $572 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $4,996 |
| Allstate | $572 |
| Nationwide | $3,873 |
| General Agents Group | $1,988 |
| Safe Auto | $3,486 |
| Metropolitan | $1,577 |
| Farmers | $1,678 |
| Virginia Farm Bureau | $838 |
| Mercury | $1,360 |
| Travelers | $977 |
2011 Ford Ranger Insurance Rates
The average annual insurance cost for a 2011 Ford Ranger is $504. However, Safeco offers the cheapest rates, averaging $199 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $392 |
| Mercury Insurance | $213 |
| Commerce Group Inc | $558 |
| United Farm Bureau of IN Group | $689 |
| National General Value | $427 |
| Clearcover | $639 |
| SafeAuto | $636 |
| Concord Group | $625 |
| North Carolina Farm Bureau | $664 |
| Safeco | $199 |
2010 Ford Ranger Insurance Rates
The average annual insurance cost for a 2010 Ford Ranger is $538. However, Kemper Auto | Infinity offers the cheapest rates, averaging $266 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $791 |
| Virginia Farm Bureau | $774 |
| Mercury Insurance | $133 |
| Clearcover | $675 |
| American National P | $597 |
| New York Central Mutual Fire | $458 |
| Kemper Auto | Infinity | $266 |
| Dairyland | $493 |
| Safeco | $350 |
| SECURA Insurance | $840 |
Find Affordable Ford Ranger Insurance Rates
Cost of Ford Ranger Car Insurance By Age
Age is a major factor in determining vehicle insurance rates. Teenagers generally face the highest premiums because they have the highest accident rates. However, as drivers age and gain experience, their premiums typically decrease since they are considered lower-risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,691 | $11,281 | $13,177 |
| 18 | $7,173 | $10,500 | $12,277 |
| 19 | $6,276 | $9,233 | $10,859 |
| 20 | $5,450 | $8,082 | $9,478 |
| 21 | $4,564 | $6,768 | $7,934 |
| 22 | $4,504 | $6,575 | $7,716 |
| 23 | $3,948 | $5,815 | $6,737 |
| 24 | $3,720 | $5,472 | $6,378 |
| 25 | $3,220 | $4,760 | $5,544 |
| 30 | $2,521 | $3,734 | $4,276 |
| 35 | $2,394 | $3,410 | $4,053 |
| 40 | $2,240 | $3,279 | $3,902 |
| 45 | $2,241 | $3,215 | $3,777 |
| 55 | $2,009 | $2,924 | $3,515 |
| 65 | $2,146 | $3,062 | $3,572 |
| 75 | $2,679 | $3,883 | $4,552 |
Ford Ranger Car Insurance Rates By State
Your location significantly affects how insurance companies calculate rates. Each state has its own auto insurance regulations—for instance, Michigan residents often pay higher premiums due to mandatory higher coverage levels.
Additionally, climate plays a role; states prone to extreme weather like hurricanes or flooding can see higher insurance costs. Crime and accident statistics, such as car theft rates, crash frequency, and vehicle fatalities, are also factored in. Insurers analyze all these variables to determine your specific Ford Ranger insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,361 | $3,485 | $4,420 |
| Alaska | $1,962 | $2,751 | $2,710 |
| Arizona | $2,211 | $3,264 | $4,817 |
| Arkansas | $2,421 | $3,823 | $4,282 |
| California | $2,696 | $4,849 | $2,745 |
| Colorado | $2,586 | $3,586 | $4,520 |
| Connecticut | $3,220 | $5,027 | $6,411 |
| Delaware | $2,700 | $3,554 | $4,629 |
| Florida | $3,185 | $4,405 | $5,825 |
| Georgia | $2,580 | $3,953 | $3,983 |
| Hawaii | $997 | $1,427 | $1,095 |
| Idaho | $1,855 | $2,368 | $2,908 |
| Illinois | $1,935 | $2,908 | $3,263 |
| Indiana | $1,970 | $2,996 | $3,334 |
| Iowa | $1,523 | $2,091 | $2,511 |
| Kansas | $2,055 | $3,022 | $3,539 |
| Kentucky | $2,979 | $4,346 | $5,204 |
| Louisiana | $3,820 | $5,805 | $6,226 |
| Maine | $1,492 | $1,983 | $2,903 |
| Maryland | $2,377 | $3,447 | $3,805 |
| Massachusetts | $1,837 | $3,298 | $1,905 |
| Michigan | $4,545 | $6,853 | $10,867 |
| Minnesota | $1,869 | $2,459 | $3,492 |
| Mississippi | $2,248 | $3,208 | $3,205 |
| Missouri | $2,092 | $3,065 | $3,992 |
| Montana | $2,151 | $2,999 | $3,504 |
| Nebraska | $1,791 | $2,714 | $2,893 |
| Nevada | $3,026 | $4,469 | $4,746 |
| New Hampshire | $2,086 | $3,320 | $4,218 |
| New Jersey | $2,312 | $3,598 | $4,719 |
| New Mexico | $2,319 | $3,542 | $3,586 |
| New York | $2,213 | $2,737 | $4,559 |
| North Carolina | $1,345 | $2,280 | $1,701 |
| North Dakota | $1,893 | $2,836 | $3,300 |
| Ohio | $1,677 | $2,556 | $2,573 |
| Oklahoma | $2,626 | $3,792 | $4,199 |
| Oregon | $2,420 | $3,236 | $3,835 |
| Pennsylvania | $1,985 | $2,959 | $3,421 |
| Rhode Island | $3,331 | $4,953 | $5,601 |
| South Carolina | $2,297 | $3,193 | $4,364 |
| South Dakota | $2,030 | $2,989 | $3,390 |
| Tennessee | $2,460 | $3,592 | $4,714 |
| Texas | $2,387 | $3,473 | $4,405 |
| Utah | $2,096 | $2,876 | $3,995 |
| Vermont | $1,557 | $2,419 | $2,557 |
| Virginia | $1,464 | $2,276 | $2,285 |
| Washington | $2,026 | $2,706 | $3,169 |
| West Virginia | $2,024 | $2,822 | $3,617 |
| Wisconsin | $1,972 | $3,095 | $3,519 |
| Wyoming | $1,859 | $2,568 | $2,747 |
Common Ford Ranger Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each auto insurance provider offers its own discounts, here are some common ones you may be eligible for:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often results in a discounted rate.
- Pay annually: Paying your premium in full rather than monthly installments can save you money.
- Defensive driving: Completing a certified defensive driving course can qualify you for reduced rates.
There may be additional discounts available. It’s a good idea to speak with your insurance agent, who can help you identify the discounts you’re eligible for.
Compare Ford Ranger To Other Ford Models
Looking for other Ford model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that these figures may differ from your actual results, as rates can vary based on individual circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A Ford Ranger?
Yes, you’ll need to provide proof of insurance before driving your Ford Ranger off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your new vehicle, rather than relying on coverage through the dealership.
How Can You Get The Cheapest Insurance For Your Ford Ranger?
The best way to find the cheapest rates for your Ford Ranger is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website.
