Ford Ranger insurance costs average $86 per month for minimum coverage and $166 monthly for full coverage. But depending on your particular trim and model year, costs can range from $57 to $348 monthly for Ford Ranger coverage.
Ford Ranger Insurance Cost
Updated: December 29, 2025
Key Takeaways
Ford Ranger insurance costs range from $89 to $348 monthly on average, with premiums varying based on specific trim levels and model years across the lineup.
The Ford Ranger ranks 299th out of 827 vehicle models for insurance affordability in the United States automotive market from 2000 through 2025.
GEICO provides the most affordable Ford Ranger coverage with full protection starting at $125 monthly and minimum coverage available for just $58 monthly.
How Much Is Ford Ranger Insurance?
| Ford Ranger | $86 | $166 |
Ford Ranger Insurance Cost by Model Year
Your Ford Ranger's model year and available trims directly affect insurance rates, with newer vehicles costing more due to higher fair market values. Monthly premiums range from as low as $72 for older models to as high as $254 for the newest Rangers.
| 2025 | $131 | $254 |
| 2024 | $129 | $251 |
| 2023 | $99 | $191 |
| 2022 | $91 | $177 |
| 2021 | $85 | $164 |
| 2020 | $80 | $155 |
| 2019 | $72 | $140 |
| 2011 | $85 | $165 |
| 2010 | $86 | $167 |
| 2009 | $81 | $157 |
| 2008 | $79 | $152 |
| 2007 | $83 | $161 |
| 2006 | $77 | $148 |
| 2005 | $76 | $146 |
| 2004 | $98 | $187 |
| 2003 | $93 | $178 |
| 2002 | $80 | $153 |
| 2001 | $75 | $144 |
| 2000 | $73 | $139 |
Ford Ranger Insurance Cost by Trim
Your Ford Ranger's trim impacts insurance costs based on its market value, features and theft risk. Our research shows monthly premiums range from $69 for basic Regular Cab models to $346 for high-performance Super Crew Raptor trims.
| 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 Company
Ford Ranger insurance costs vary by provider from $131 to $244 monthly. Minimum coverage ranges from $89 to $172, while full coverage costs $169 to $348. Rates vary due to different risk assessment models.
| GEICO | $58 | $125 |
| Travelers | $77 | $141 |
| State Farm | $80 | $167 |
| Kemper | $89 | $180 |
| Progressive | $91 | $169 |
| AAA | $92 | $190 |
| The Hartford | $97 | $165 |
| Amica | $104 | $213 |
| Nationwide | $106 | $182 |
| Allstate | $107 | $207 |
| Chubb | $116 | $227 |
| Farmers | $119 | $208 |
| AIG | $120 | $295 |
| UAIC | $152 | $190 |
Ford Ranger Insurance Cost by State
Ford Ranger insurance costs vary dramatically by location, from $29 monthly in Wyoming to $370 in Louisiana.
| 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 |
Ford Ranger Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, directly impacts Ford Ranger insurance costs. Monthly premiums can reach $320 for young drivers under 25 with clean records, while adult drivers between 26-64 without violations pay as little as $126 monthly on average.
| Adult Drivers | $86 | $166 |
| Young Drivers | $220 | $420 |
| Senior Drivers | $115 | $210 |
| Drivers With a Speeding Ticket | $107 | $209 |
| Drivers With an Accident | $127 | $243 |
| Drivers With a DUI | $158 | $301 |
| Drivers With Bad Credit | $203 | $407 |
Is a Ford Ranger Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford Ranger ranks 299th out of 827, putting it on the more affordable side of the average. Among midsize pickup trucks, the model ranks 8th out of 13.
| Suzuki SX4 | $62 | $119 |
| Suzuki Equator | $69 | $133 |
| Isuzu I-290 | $71 | $137 |
| Honda Ridgeline | $79 | $153 |
| Chevrolet Colorado | $79 | $154 |
| Ram Dakota | $81 | $156 |
| Dodge Dakota | $82 | $159 |
| Ford Ranger | $86 | $166 |
| Gmc Canyon | $86 | $167 |
| Nissan Frontier | $87 | $168 |
| Mitsubishi Raider | $92 | $178 |
| Toyota Tacoma | $96 | $187 |
| Jeep Gladiator | $102 | $197 |
Factors That Affect Ford Car Insurance Costs
Several factors affect what you'll pay for Ford Ranger insurance coverage:
- Age (middle-aged median): Drivers in their 40s to 50s receive better rates than younger buyers.
- Gender (84% male): Male ownership correlates with pickup truck usage patterns and risk profiles.
- Income ($76,000-$82,000): Higher credit scores reduce premiums, though financial stability enables comprehensive coverage choices.
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Ranger repair costs average $825 annually, making it more expensive than average for a Ford.
Vehicle Trim, Features and Accessories
The Ford Ranger's performance capabilities (270 to 405 horsepower, 310 to 430 lb-ft of torque across three engine options) and advanced features like Fox Racing Shocks on the Raptor increase insurance premiums. Higher trim levels like Lariat and Raptor cost more to insure due to specialized parts and higher replacement values.
Fuel Type
Ford Rangers run on gasoline with three EcoBoost engine options (2.3L I-4, 2.7L V6, and 3.0L V6). Fuel efficiency ranges from 16-18 MPG (Raptor) to 21-26 MPG (base 2WD models). Unlike electric vehicles that require specialized repair shops, gasoline Rangers can be serviced at most automotive facilities, keeping repair costs lower.
Location
Ford Ranger insurance rates vary by state due to different regulations, weather risks, crime rates, and accident statistics. Urban areas with higher theft rates and traffic congestion result in higher premiums, while rural locations may see lower rates despite potentially longer emergency response times.
Driver Profile
Most Ford Ranger drivers are middle-aged males (similar demographics to F-150 owners) with household incomes around $76,000-$82,000. This demographic receives favorable rates due to experience and financial stability. Younger drivers and those with poor credit scores face higher premiums.
Driver demographics affect Ford Ranger rates:
How to Lower the Cost of Ford Ranger Insurance
Below we outline the top Ford Ranger car insurance discounts available:
- 1Choose the right coverage
How much coverage to buy for your Ford comes down to what it's worth, how often you drive and what your budget can realistically support. Your choices stretch from minimum liability with a $1,000 deductible to a 100/300/100 setup with a $500 deductible, and if the car’s financed or leased, gap coverage may be necessary.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. The cheapest car insurance companies will then be easier to find.
- 3Look for more than just low rates
To get the most balanced car insurance for your Ford Ranger, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Ford Ranger owners can lower their premiums by stacking discounts tied to multiple vehicles, work-related use, advanced safety tech, clean driving records and bundled policies. Since many Ranger drivers use their trucks for practical work needs, own homes and benefit from Ford’s safety suite, these savings tend to stack quickly.
- 5Consider alternative car insurance types
Ford Rangerowners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Ranger insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Ranger Insurance Cost: Bottom Line
Insuring a Ford Rangercosts more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Ranger Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Ranger.
What is the average cost of car insurance for a Ford Ranger?
The Ford Ranger's average annual insurance cost is $1,033 for minimum coverage and $1,993 for full coverage.
What company has the cheapest car insurance for a Ford Ranger?
GEICO offers the most affordable Ranger insurance with monthly premiums of $125 from GEICO. Drivers who only need minimum coverage will find GEICO's rates even more budget-friendly at $58 per month for their Ranger.
Are Ford Rangers expensive to insure?
Out of 827 vehicles we track, the Ranger ranks 299th for affordability. Among midsize pickup trucks, this model sits at 8th out of 14.
What factors affect insurance costs for Ford Rangers?
Several things drive up your Ford Ranger rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or more weather related risks will cause rates to rise.
How can I lower Ford Ranger insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Ranger Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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.