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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%. 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.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
All 50 states
loan/lease coverage
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.
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.

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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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