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
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
Minimum coverage on the Regular Cab Short Bed costs $69 a month. Full coverage on the Super Crew Raptor costs $346. A trim's market value, repair costs and feature complexity determine where it falls in that range.
| 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
Wyoming drivers pay $29 a month for minimum coverage on a Ford Ranger. Louisiana drivers pay $172. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.
| 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 steps cut Ford Ranger insurance costs without trading away the coverage you need.
- 1Choose the right coverage
Coverage needs depend on how you own the Ranger. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for pickup trucks give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our cheapest car insurance companies data shows which carriers price low for Ranger drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Ford Ranger owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts when combining auto and home policies. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Ranger drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Ford Ranger Insurance Cost: Bottom Line
The Ford Ranger costs about average to insure among pickup trucks. Compare quotes from at least three insurers and stack available discounts to find your lowest rate.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.