Ford Ranger car insurance rates

Your new truck could spell higher premium.

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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%.

Compare car insurance for your Ford Ranger

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Clearcover
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

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How do I compare insurance for the Ranger?

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.

Does the Ford Ranger qualify for discounts?

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

  • Antilock brakes
  • Antitheft system
  • Pretensioners
  • Stability control
  • Front impact airbags
  • Side impact airbags
  • Overhead airbags

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

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