Ford Ranger car insurance rates

The new Ranger is a truck that’s somewhat cheap to insure for a pickup but will still cost you over $500 more than a standard sedan. The average insurance costs for a Ford Ranger is $157 a month, or $1,884 a year. With a base price of $24,000, the annual insurance cost–to–base car price ratio is 12.7%, which is higher than the national average of 4%. Filter car insurance companies by your state to get a quote.

The thrill of owning a brand-new Ranger might waver when you see your above-average insurance rates. By shopping around with insurance providers, you can find the lowest premium you’re eligible for.

Factors that may play into the Ranger’s expected premium:

• Body type. This long-loved car model extends into the trucks of today as a midsize pickup truck, which is the most expensive type of car to insure.
• Fuel. You won’t save much with this truck’s average fuel economy, which is rated at 22 mpg. But that mileage is higher than for other trucks its size.
• Theft rates. This new Ranger hasn’t made enough of a road mark for ratings. But the 2011 model includes a higher theft rate of 34 cars for every 10,000 made.
• Maintenance. This American-grown truck keeps maintenance costs low with no need for special care or high-dollar parts.
• Coverage. You can opt for standard coverage, because this truck is made for duty, not luxury. However, because of the potential for the high theft and mechanical breakdowns in previous models, consider comprehensive and roadside assistance.
• Insurer options. Nearly any insurer will take on your Ranger, leaving you with plenty of providers to compare.
• Warranty. This truck includes a standard warranty at three years or 36,000 miles for bumper-to-bumper coverage and five years or 60,000 miles for the powertrain.

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Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
USAA		No	Yes	SafePilot	Yes	All 50 states & DC	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Progressive		loan/lease coverage	Yes	Snapshot	Yes	All 50 states & DC	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
The Zebra		Yes	Yes	Yes	Yes	All 50 states	Get quotes More Info	Compare	loading Fetching your data...
Smartfinancial			Yes	Yes	No	All 50 states and DC	Get quotes	Compare	loading Fetching your data...
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Yes	Yes	RightTrack	Yes	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime.	Get quotes More Info	Compare	loading Fetching your data...
Bankrate		Yes	Yes	Yes	Yes	All 50 states	Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.	Get quotes	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

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Does the Ford Ranger qualify for discounts?

Yes. Look for discounts on standard safety features that include:

How reliable is the Ford Ranger?

It’s hard to pinpoint safety and reliability for newer models on the market. But we can glean some insight from the 2011 Ford Ranger:

• Safety. The 2019 Ranger doesn’t include safety ratings, but the 2011 model received 3 out of 5 stars from the NHTSA.
• Reliability. So far, complaints for the new Ranger involve nonthreatening problems like lit-up engine lights. This truck also has an overall reliability rating of 3 out of 4, although previous model years report some mechanical problems.
• Recalls. No recalls are issued for this year’s truck, but the 2011 model included two that involved taillights and airbags.

Bottom line

The Ford Ranger might haul in a higher premium just because it’s a midsize truck. You can compare several insurance providers to find the hard-working coverage you need. Or try looking at rates for another make or model.

Frequently asked questions about the Ford Ranger

• How much does the Ford Ranger cost?

  The 2019 model starts around $24,000 MSRP.

• Is the Ford Ranger a reliable truck?

  Yes. The 2019 Ranger is expected to have an above average experience with reliability.

  Over the years, owners have reported a number of problems with Ford Rangers, including cosmetic, electrical and engine problems, however.

• What are common problems I should know about with previous Ford Ranger models?

  Problems with previous models have included a wide range of issues, such as difficulty starting the engine, shifting and idling problems. Problems so far reported for the 2019 model involve wind noise and the engine light coming on.

• What special features does the 2019 Ford Ranger have?

  On the outside, the Ranger comes as a four-cylinder truck with 270 horsepower and rear- or all-wheel drive.

  Inside, the Ranger includes adjustable terrain settings, driver assistance features like blind spot monitoring that includes trailers, automated emergency braking and optional touchscreen infotainment with Sync 3.