Your new truck could spell higher premium.
It’s true that trucks get the short stick on insurance rates. You might expect rates similar to the Ford F-150, which goes for $157 a month — or $1,884 per year. Look for provider discounts to shave money off your premium.
Compare car insurance for your Ford Ranger
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.