Estimates, not quotes

Ford Ranger vs Honda Ridgeline Insurance Cost

The Ford Ranger is cheaper to insure by about $75 a year for full coverage by our estimate ($1,275 vs. $1,350), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageFord RangerHonda RidgelineDifference
State minimum$505$550−$45
Standard (100/300/100)$730$800−$70
Full coverage$1,275$1,350−$75

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Ranger minus Ridgeline.

Why one costs more to insure

FactorFord RangerHonda Ridgeline
SegmentPickup truckPickup truck
PowertrainsGasolineGasoline
HLDI collision (100 = avg)8077
HLDI comprehensive7582
HLDI property damage liability7091
HLDI bodily injury liability—79
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)232

Collision losses are the biggest swing factor: the Ford Ranger has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Ranger vs Ridgeline insurance by state

StateRangerRidgelineDifference
Alabama$1,110$1,165−$55
Alaska$1,115$1,175−$60
Arizona$1,340$1,420−$80
Arkansas$1,125$1,180−$55
California$1,250$1,305−$55
Colorado$1,450$1,540−$90
Connecticut$1,355$1,435−$80
Delaware$1,425$1,520−$95
District of Columbia$1,605$1,690−$85
Florida$1,830$1,950−$120
Georgia$1,585$1,685−$100
Hawaii$880$920−$40
Idaho$865$915−$50
Illinois$1,105$1,165−$60
Indiana$905$955−$50
Iowa$865$915−$50
Kansas$1,020$1,075−$55
Kentucky$1,075$1,140−$65
Louisiana$1,765$1,870−$105
Maine$810$855−$45
Maryland$1,435$1,515−$80
Massachusetts$1,255$1,320−$65
Michigan$1,390$1,460−$70
Minnesota$1,065$1,125−$60
Mississippi$1,220$1,285−$65
Missouri$1,160$1,225−$65
Montana$1,020$1,075−$55
Nebraska$1,020$1,080−$60
Nevada$1,470$1,565−$95
New Hampshire$905$950−$45
New Jersey$1,540$1,635−$95
New Mexico$1,145$1,210−$65
New York$1,715$1,820−$105
North Carolina$950$995−$45
North Dakota$815$855−$40
Ohio$910$960−$50
Oklahoma$1,150$1,210−$60
Oregon$1,150$1,220−$70
Pennsylvania$1,110$1,170−$60
Rhode Island$1,540$1,635−$95
South Carolina$1,365$1,455−$90
South Dakota$975$1,030−$55
Tennessee$1,060$1,110−$50
Texas$1,510$1,595−$85
Utah$1,160$1,230−$70
Vermont$825$865−$40
Virginia$1,100$1,160−$60
Washington$1,115$1,180−$65
West Virginia$1,065$1,120−$55
Wisconsin$870$920−$50
Wyoming$995$1,050−$55

By driver profile (full coverage)

DriverRangerRidgeline
Teen driver (18, own policy)$3,510$3,710
Young adult (22)$2,045$2,160
Adult in their 30s$1,275$1,350
Adult in their 50s$1,175$1,240
Senior (72)$1,430$1,510
30s, one at-fault accident$1,850$1,955
30s, DUI on record$2,360$2,495

More comparisons

Frequently asked questions

Is the Ford Ranger or the Honda Ridgeline cheaper to insure?

By our estimate the Ford Ranger is cheaper, by about $75 a year for full coverage ($1,275 vs. $1,350) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Ranger and Honda Ridgeline?

Mostly because of insurance-loss history: HLDI collision indices of 80 vs. 77 and comprehensive indices of 75 vs. 82 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page