Insurance premiums for a Ford Ranger average $166 monthly for full coverage and $86 for minimum coverage. Your specific trim and model year determine where you'll fall within the $69 to $346 monthly range.
Ford Ranger Insurance Cost
Updated: February 4, 2026
Key Takeaways
GEICO offers the most affordable Ford Ranger insurance, with full coverage averaging $125 monthly. Rates vary based on your model year and chosen insurer. Read more
The Ranger ranks 19th out of 40 pickup trucks for insurance affordability, making it reasonably priced. Pickup trucks are usually expensive to insure. Read more
Your Ranger's specific model year and driver age affect insurance rates. Teen drivers and owners of newer model years have higher premiums.
How Much Is Ford Ranger Insurance?
| Ford Ranger | $86 | $166 |
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Your Ranger's age changes what you pay for coverage. Monthly premiums range from $72 for older models to $254 for newest ones. Newer Rangers cost much more to insure because they're worth more. Older trucks benefit from years of depreciation.
Ranger insurance costs depend on model year and company. Full coverage runs $125 monthly with GEICO to $295 with AIG. Minimum coverage spans $58 with GEICO to $152 with UAIC.
Shop between insurers. Minimum coverage varies by over $94 and full coverage by over $170. Each company calculates Ranger risk differently, which changes your final quote.
| AAA | $92 | $190 |
| AIG | $120 | $295 |
| Allstate | $107 | $207 |
| Amica | $104 | $213 |
| Chubb | $116 | $227 |
| Farmers | $119 | $208 |
| Geico | $58 | $125 |
| Kemper | $89 | $180 |
| Nationwide | $106 | $182 |
| Progressive | $91 | $169 |
| State Farm | $80 | $167 |
| The Hartford | $97 | $165 |
| Travelers | $77 | $141 |
| UAIC | $152 | $190 |
Is Ford Ranger Expensive to Insure?
MoneyGeek analyzed pickup truck insurance costs. The Ranger ranks 19th among 40 trucks for affordability (18 trucks cost less to insure). It's a few dollars monthly pricier than the Lincoln Mark LT and slightly cheaper than the GMC Canyon. Middle-tier positioning reflects typical pickup pricing.
Pickup trucks are expensive to insure overall, but the Ranger lands in the top half for affordability at 299th out of 827 total vehicles. More affordable than average across all car types despite being in a costly category. The Suzuki SX4 is the cheapest pickup to insure. The Ram 2500 has the highest insurance premiums.
| Dodge Dakota | $121 | 16 |
| GMC Sierra 2500 | $125 | 17 |
| Lincoln Mark LT | $126 | 18 |
| Ford Ranger | $126 | 19 |
| GMC Canyon | $126 | 20 |
| Ram 1500 | $127 | 21 |
| Nissan Frontier | $127 | 22 |
Several factors change your Ranger insurance costs:
- Average Repair or Replacement Costs: Ranger repairs average $825 yearly (Ford's 20th cheapest model to maintain out of 35). Low maintenance costs help keep insurance premiums reasonable compared to costlier Ford vehicles.
- Vehicle Trim, Features and Accessories: Ranger horsepower ranges from 270 to 310 depending on your trim. Higher-performance trims with more horsepower mean higher insurance premiums because insurers see more powerful vehicles as bigger risks.
- Driver Profile: Most Ranger drivers are 30 to 50 years old with a median age around 40. This mature demographic usually gets lower insurance rates because of responsible driving, though the Ranger's performance reputation can attract risky driving that concerns insurers. Review Ranger costs for young drivers.
Ford Ranger Costs by Model Year and Driver Age by Insurance Company
A 2025 Ford Ranger costs an average of $291 per month for full coverage insurance for drivers aged 35 to 55, while a 2009 model runs just $175 monthly. Your Ford Ranger's model year and your age influence insurance costs, with newer vehicles having higher premiums. Teen and young adult drivers have higher rates across all model years.
GEICO offers the most affordable rates across all Ford Ranger model years and could save you hundreds monthly.
Older models (2019 and 2020):
Cost of Car Insurance for 2025 Ford Ranger
| Geico | $86 | $188 |
| National General | $101 | $207 |
| Travelers | $109 | $201 |
| Progressive | $117 | $218 |
| State Farm | $125 | $261 |
| AAA | $146 | $302 |
| Amica | $156 | $319 |
| The Hartford | $157 | $268 |
| Allstate | $161 | $312 |
| Nationwide | $166 | $285 |
| Kemper | $166 | $341 |
| Chubb | $188 | $371 |
| AIG | $190 | $481 |
| Farmers | $194 | $343 |
| UAIC | $217 | $273 |
2025 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $983 | $865 | $765 | $661 | $583 | $496 | $450 | $402 | $368 | $324 |
| Geico | $1,066 | $776 | $652 | $473 | $407 | $328 | $303 | $250 | $237 | $215 |
| Travelers | $1,218 | $874 | $689 | $531 | $468 | $344 | $314 | $289 | $267 | $231 |
| Nationwide | $1,297 | $1,193 | $1,097 | $931 | $785 | $509 | $472 | $440 | $416 | $372 |
| Allstate | $1,479 | $1,161 | $936 | $692 | $620 | $484 | $440 | $416 | $392 | $347 |
| Progressive | $1,590 | $1,282 | $1,063 | $592 | $516 | $417 | $371 | $331 | $305 | $262 |
| Farmers | $2,133 | $1,583 | $1,410 | $877 | $828 | $630 | $562 | $537 | $511 | $429 |
Cost of Car Insurance for 2024 Ford Ranger
| Geico | $86 | $186 |
| National General | $100 | $205 |
| Travelers | $108 | $199 |
| Progressive | $116 | $216 |
| State Farm | $124 | $258 |
| AAA | $144 | $299 |
| Amica | $154 | $316 |
| The Hartford | $155 | $265 |
| Allstate | $159 | $309 |
| Nationwide | $164 | $283 |
| Kemper | $164 | $337 |
| Chubb | $187 | $368 |
| AIG | $189 | $476 |
| Farmers | $192 | $340 |
| UAIC | $215 | $271 |
2024 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $973 | $856 | $757 | $654 | $578 | $491 | $446 | $398 | $364 | $320 |
| Geico | $1,055 | $768 | $645 | $468 | $403 | $325 | $299 | $248 | $234 | $213 |
| Travelers | $1,206 | $865 | $682 | $525 | $463 | $340 | $310 | $287 | $265 | $229 |
| Nationwide | $1,284 | $1,181 | $1,086 | $921 | $777 | $504 | $467 | $436 | $411 | $368 |
| Allstate | $1,464 | $1,150 | $927 | $685 | $614 | $479 | $436 | $411 | $388 | $343 |
| Progressive | $1,574 | $1,269 | $1,052 | $586 | $511 | $413 | $368 | $328 | $302 | $259 |
| Farmers | $2,112 | $1,567 | $1,395 | $868 | $820 | $624 | $556 | $532 | $506 | $424 |
Cost of Car Insurance for 2023 Ford Ranger
| Geico | $65 | $141 |
| National General | $76 | $156 |
| Travelers | $82 | $151 |
| Progressive | $88 | $164 |
| State Farm | $94 | $197 |
| AAA | $110 | $227 |
| Amica | $117 | $240 |
| The Hartford | $118 | $201 |
| Allstate | $121 | $235 |
| Nationwide | $125 | $215 |
| Kemper | $125 | $257 |
| Chubb | $142 | $280 |
| AIG | $143 | $362 |
| Farmers | $146 | $259 |
| UAIC | $164 | $206 |
2023 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $741 | $652 | $576 | $498 | $439 | $373 | $339 | $303 | $277 | $244 |
| Geico | $803 | $584 | $491 | $356 | $306 | $247 | $228 | $188 | $178 | $162 |
| Travelers | $917 | $658 | $519 | $400 | $353 | $259 | $236 | $218 | $201 | $174 |
| Nationwide | $977 | $898 | $826 | $701 | $591 | $384 | $355 | $331 | $313 | $280 |
| Allstate | $1,114 | $875 | $705 | $521 | $467 | $365 | $331 | $313 | $295 | $261 |
| Progressive | $1,198 | $966 | $801 | $446 | $389 | $314 | $280 | $250 | $230 | $197 |
| Farmers | $1,607 | $1,192 | $1,062 | $661 | $624 | $475 | $423 | $404 | $385 | $323 |
Cost of Car Insurance for 2022 Ford Ranger
| Geico | $60 | $131 |
| National General | $70 | $144 |
| Travelers | $76 | $140 |
| Progressive | $82 | $152 |
| State Farm | $87 | $182 |
| AAA | $102 | $211 |
| Amica | $109 | $223 |
| The Hartford | $109 | $187 |
| Allstate | $112 | $218 |
| Nationwide | $116 | $199 |
| Kemper | $116 | $238 |
| Chubb | $131 | $259 |
| AIG | $133 | $336 |
| Farmers | $136 | $240 |
| UAIC | $152 | $191 |
2022 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $686 | $604 | $534 | $461 | $407 | $346 | $314 | $281 | $257 | $226 |
| Geico | $744 | $542 | $455 | $330 | $284 | $229 | $211 | $175 | $165 | $150 |
| Travelers | $850 | $610 | $481 | $370 | $327 | $240 | $219 | $202 | $187 | $161 |
| Nationwide | $905 | $832 | $766 | $650 | $548 | $355 | $329 | $307 | $290 | $259 |
| Allstate | $1,032 | $811 | $654 | $483 | $433 | $338 | $307 | $290 | $274 | $242 |
| Progressive | $1,110 | $895 | $742 | $413 | $360 | $291 | $259 | $231 | $213 | $183 |
| Farmers | $1,489 | $1,105 | $984 | $612 | $578 | $440 | $392 | $375 | $357 | $299 |
Cost of Car Insurance for 2021 Ford Ranger
| Geico | $56 | $121 |
| National General | $65 | $134 |
| Travelers | $71 | $130 |
| Progressive | $76 | $141 |
| State Farm | $81 | $169 |
| AAA | $94 | $195 |
| Amica | $101 | $206 |
| The Hartford | $102 | $173 |
| Allstate | $104 | $202 |
| Nationwide | $107 | $185 |
| Kemper | $107 | $221 |
| Chubb | $122 | $240 |
| AIG | $123 | $311 |
| Farmers | $126 | $222 |
| UAIC | $141 | $177 |
2021 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $637 | $560 | $495 | $428 | $378 | $321 | $292 | $260 | $238 | $209 |
| Geico | $690 | $502 | $422 | $306 | $263 | $213 | $196 | $162 | $153 | $139 |
| Travelers | $788 | $566 | $446 | $344 | $303 | $222 | $203 | $187 | $173 | $150 |
| Nationwide | $840 | $772 | $710 | $603 | $508 | $330 | $306 | $285 | $269 | $241 |
| Allstate | $958 | $752 | $606 | $448 | $402 | $313 | $285 | $269 | $254 | $224 |
| Progressive | $1,030 | $830 | $688 | $383 | $334 | $270 | $240 | $215 | $197 | $170 |
| Farmers | $1,381 | $1,025 | $912 | $568 | $536 | $408 | $364 | $348 | $331 | $278 |
Cost of Car Insurance for 2020 Ford Ranger
| Geico | $53 | $115 |
| National General | $62 | $126 |
| Travelers | $67 | $123 |
| Progressive | $71 | $133 |
| State Farm | $76 | $160 |
| AAA | $89 | $184 |
| Amica | $95 | $195 |
| The Hartford | $96 | $163 |
| Allstate | $98 | $191 |
| Nationwide | $101 | $174 |
| Kemper | $101 | $208 |
| Chubb | $115 | $227 |
| AIG | $116 | $294 |
| Farmers | $119 | $210 |
| UAIC | $133 | $167 |
2020 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $601 | $528 | $467 | $404 | $356 | $303 | $275 | $246 | $225 | $198 |
| Geico | $651 | $474 | $398 | $289 | $248 | $201 | $185 | $153 | $145 | $131 |
| Travelers | $744 | $534 | $421 | $324 | $286 | $210 | $192 | $177 | $163 | $141 |
| Nationwide | $792 | $729 | $670 | $569 | $480 | $311 | $288 | $269 | $254 | $227 |
| Allstate | $904 | $709 | $572 | $423 | $379 | $296 | $269 | $254 | $239 | $212 |
| Progressive | $972 | $783 | $649 | $361 | $315 | $255 | $227 | $203 | $186 | $160 |
| Farmers | $1,303 | $967 | $861 | $536 | $506 | $385 | $343 | $328 | $312 | $262 |
Cost of Car Insurance for 2019 Ford Ranger
| Geico | $48 | $104 |
| National General | $56 | $114 |
| Travelers | $60 | $111 |
| Progressive | $65 | $121 |
| State Farm | $69 | $144 |
| AAA | $80 | $167 |
| Amica | $86 | $176 |
| The Hartford | $87 | $148 |
| Allstate | $89 | $172 |
| Nationwide | $91 | $158 |
| Kemper | $92 | $188 |
| Chubb | $104 | $205 |
| AIG | $105 | $266 |
| Farmers | $107 | $190 |
| UAIC | $120 | $151 |
2019 Ford Ranger Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $543 | $478 | $423 | $365 | $322 | $274 | $249 | $222 | $203 | $179 |
| Geico | $589 | $429 | $360 | $261 | $225 | $181 | $167 | $138 | $131 | $119 |
| Travelers | $673 | $483 | $381 | $293 | $259 | $190 | $173 | $160 | $148 | $128 |
| Nationwide | $717 | $659 | $606 | $514 | $434 | $281 | $261 | $243 | $230 | $205 |
| Allstate | $817 | $642 | $517 | $382 | $343 | $268 | $243 | $230 | $217 | $192 |
| Progressive | $879 | $708 | $587 | $327 | $285 | $230 | $205 | $183 | $169 | $145 |
| Farmers | $1,179 | $875 | $779 | $485 | $457 | $348 | $310 | $297 | $282 | $237 |
Ford Ranger Insurance Cost by Trim
Ford Ranger insurance costs range dramatically from $69 monthly for minimum coverage on basic Regular Cab Short Bed models to $346 for full coverage on high-performance Super Crew Raptor variants. Performance features, rarity, and market value determine where your specific trim falls within this pricing spectrum.
| Regular Cab Short Bed | $69 | $133 |
| Super Cab Xlt Fx4 Off-Road Pickup 2d 6 Ft | $70 | $134 |
| Regular Cab Stx Pickup 2d 6 Ft | $70 | $135 |
| Regular Cab Edge Pickup 2d 6 Ft | $74 | $141 |
| Regular Cab Xl Pickup 2d 6 Ft | $75 | $144 |
| Super Cab Stx Pickup 4d 6 Ft | $76 | $146 |
| Super Crew Xl Pickup 4d 5 Ft | $76 | $148 |
| Regular Cab Xl Pickup 2d 7 Ft | $77 | $148 |
| Regular Cab Long Bed | $77 | $148 |
| Super Cab Xl Pickup 2d 6 Ft | $77 | $149 |
| Super Cab Pickup 2d | $77 | $148 |
| Regular Cab Xlt Pickup 2d 7 Ft | $78 | $151 |
| Super Cab Stx Pickup 2d 6 Ft | $79 | $152 |
| Super Cab Pickup 4d | $79 | $152 |
| Regular Cab Sport Pickup 2d 6 Ft | $79 | $153 |
| Regular Cab Xlt Pickup 2d 6 Ft | $81 | $156 |
| Super Cab Sport Pickup 2d 6 Ft | $81 | $158 |
| Super Cab Fx4 Off-Road Pickup 4d 6 Ft | $82 | $159 |
| Super Cab Fx4 Off-Road Pickup 2d 6 Ft | $84 | $162 |
| Regular Cab Edge Plus Pickup 2d 6 Ft | $84 | $161 |
| Super Cab Sport Pickup 4d 6 Ft | $86 | $166 |
| Super Cab Xlt Pickup 2d 6 Ft | $86 | $166 |
| Super Cab Xlt Pickup 4d 6 Ft | $90 | $173 |
| Super Cab Lariat Pickup 2d 6 Ft | $92 | $179 |
| Super Crew Xlt Pickup 4d 5 Ft | $93 | $181 |
| Super Cab Tremor Pickup 2d 6 Ft | $94 | $180 |
| Super Cab Edge Pickup 4d 6 Ft | $94 | $181 |
| Super Cab Fx4 Off-Road Level Ii Pickup 4d 6 Ft | $95 | $182 |
| Super Cab Edge Pickup 2d 6 Ft | $95 | $183 |
| Super Cab Xlt Fx4 Off-Road Pickup 4d 6 Ft | $98 | $187 |
| Super Cab Xl Pickup 4d 6 Ft | $100 | $192 |
| Super Crew Lariat Pickup 4d 5 Ft | $100 | $194 |
| Super Crew Xl | $102 | $197 |
| Super Cab Xlt Fx4 Level Ii Pickup 4d 6 Ft | $102 | $196 |
| Super Cab Edge Plus Pickup 4d 6 Ft | $102 | $196 |
| Super Cab Tremor Pickup 4d 6 Ft | $104 | $200 |
| Super Crew Xlt | $110 | $213 |
| Super Cab Tremor Plus Pickup 4d 6 Ft | $125 | $239 |
| Super Crew Lariat | $131 | $254 |
| Super Crew Raptor | $178 | $346 |
Ford Ranger Insurance Cost by State
Car insurance for a Ford Ranger costs as little as $29 per month in Wyoming or as much as $172 in Louisiana for minimum coverage. Your state's risk characteristics and insurance regulations drive these differences, not the vehicle model itself.
| Alabama | $70 | $131 |
| Alaska | $62 | $131 |
| Arizona | $101 | $188 |
| Arkansas | $67 | $150 |
| California | $82 | $166 |
| Colorado | $79 | $189 |
| Connecticut | $123 | $210 |
| Delaware | $122 | $204 |
| Florida | $115 | $264 |
| Georgia | $136 | $221 |
| Hawaii | $45 | $101 |
| Idaho | $45 | $91 |
| Illinois | $78 | $146 |
| Indiana | $53 | $104 |
| Iowa | $44 | $106 |
| Kansas | $59 | $137 |
| Kentucky | $106 | $179 |
| Louisiana | $172 | $370 |
| Maine | $43 | $89 |
| Maryland | $135 | $228 |
| Massachusetts | $85 | $180 |
| Michigan | $126 | $241 |
| Minnesota | $68 | $141 |
| Mississippi | $74 | $146 |
| Missouri | $97 | $194 |
| Montana | $57 | $135 |
| Nebraska | $60 | $137 |
| Nevada | $152 | $275 |
| New Hampshire | $59 | $105 |
| New Jersey | $140 | $231 |
| New Mexico | $69 | $155 |
| New York | $105 | $189 |
| North Carolina | $68 | $134 |
| North Dakota | $47 | $102 |
| Ohio | $63 | $122 |
| Oklahoma | $75 | $166 |
| Oregon | $105 | $182 |
| Pennsylvania | $70 | $165 |
| Rhode Island | $106 | $189 |
| South Carolina | $87 | $163 |
| South Dakota | $42 | $127 |
| Tennessee | $66 | $133 |
| Texas | $109 | $224 |
| Utah | $94 | $159 |
| Vermont | $36 | $86 |
| Virginia | $81 | $131 |
| Washington | $78 | $145 |
| West Virginia | $71 | $144 |
| Wisconsin | $54 | $118 |
| Wyoming | $29 | $89 |
How to Lower the Cost of Ford Ranger Insurance
These proven strategies help you find better rates on your Ford Ranger insurance:
- 1Choose the right coverage
Figure out how much coverage to buy for your Ford Ranger based on ownership status. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for pickup trucks. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for Ford Ranger owners.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond price quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget insurers might provide limited coverage or slower customer service.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford Ranger owners typically qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts when combining auto and home policies.
- 5Consider alternative car insurance types
Ford Ranger owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These plans track safe driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Your insurer doesn't notify you when competitors lower their rates, so regular comparisons could save up to 24% on your Ford Ranger insurance premiums.
Ford Ranger Insurance Cost: Bottom Line
Ford Ranger insurance runs about average compared to other vehicles, though you'll find decent rates with some effort. Shopping between insurers, claiming available discounts and adjusting your coverage choices helps secure better pricing.
Ford Ranger Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Ranger?
Ford Ranger insurance costs average $1,033 annually for state minimum coverage and $1,993 for full coverage. Monthly premiums run about $86 for minimum and $166 for comprehensive protection.
What company has the cheapest car insurance for a Ford Ranger?
GEICO provides the most affordable auto insurance for Ford Ranger owners at $695 annually for minimum coverage. Full coverage seekers also get the best rates with GEICO at $1,500 per year.
Are Ford Rangers expensive to insure?
No, Ford Ranger insurance is not more expensive than most vehicles. Among pickup trucks, this model places 19th out of 40 for affordability, while ranking 299th out of 827 total vehicles we track.
What factors affect insurance costs for Ford Rangers?
Multiple factors affect your Ford Ranger insurance premiums. Personal factors like your driving history and credit score significantly impact costs, along with your chosen coverage levels. Ford Rangers average $126 monthly for insurance, making them relatively affordable to insure compared to other vehicles.
How can I lower Ford Ranger insurance costs?
Compare quotes from multiple insurers since Ford Ranger costs differ significantly between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same provider and maintain a clean driving record to secure better rates.
How We Determined Ford Ranger Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Ford Ranger insurance costs.
Who We Based These Rates On
These Ford Ranger prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.