Ford Ranger Insurance Cost

Full coverage for a Ford Ranger costs about $1,275 a year ($106/month) by our estimate — ▼ −20% versus the average vehicle, ranking 18th cheapest of 310 current models.

Ford Ranger exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

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

Ford Ranger insurance cost at a glance

Full coverage

$1,275

$106/mo · $1,045–$1,505

Minimum liability

$505

$42/mo

Segment

Pickup truck

Gasoline

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Ford Ranger.

Estimated Ford Ranger premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$505	$42	$415–$595
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$730	$61	$600–$860
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,275	$106	$1,045–$1,505

What drives the cost of insuring a Ford Ranger

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Ford Ranger's results put our vehicle factor at 0.82× for liability, 0.83× for collision and 0.80× for comprehensive.

HLDI relative insurance losses — Ford Ranger crew cab 4WD (Small Pickups)
Coverage	Index	Rating	What it measures
Collision	80	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	75	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	70	Much better than average	Damage this car does to other vehicles and property
Personal injury protection	64	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Ford Ranger crew cab 4WD	80	75	70	—
Ford Ranger crew cab	72	—	—	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 5★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 23 NHTSA recall campaigns and 128 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Ford Ranger trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Ranger 2WD	RWD	2.3L 4-cyl Turbo	23
Ranger 4WD	4WD	2.3L 4-cyl Turbo	21
Ranger 4WD	4WD	2.7L 6-cyl Turbo	20
Ranger RAPTOR 4WD	4WD	3.0L 6-cyl Turbo	17

Ford Ranger insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD, RWD	17–23	$1,275
2025	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD, RWD	17–23	$1,250
2024	2.3L 4-cyl Turbo, 2.7L 6-cyl Turbo, 3.0L 6-cyl Turbo	4WD, RWD	17–22	$1,225
2023	2.3L 4-cyl Turbo	4WD, RWD	19–23	$1,200
2022	2.3L 4-cyl Turbo	4WD, RWD	19–23	$1,175
2021	2.3L 4-cyl Turbo	4WD, RWD	19–23	$1,150
2020	2.3L 4-cyl Turbo	4WD, RWD	22–23	$1,120
2019	2.3L 4-cyl Turbo	4WD, RWD	22–23	$1,095
2011	2.3L 4-cyl, 4.0L 6-cyl	4WD, RWD	16–24	$1,015
2010	2.3L 4-cyl, 4.0L 6-cyl	4WD, RWD	15–24	$1,015
2009	2.3L 4-cyl, 4.0L 6-cyl	4WD/AWD, RWD	15–23	$1,015
2008	2.3L 4-cyl, 3.0L 6-cyl, 4.0L 6-cyl	4WD/AWD, RWD	15–23	$1,015
2007	2.3L 4-cyl, 3.0L 6-cyl, 4.0L 6-cyl	4WD/AWD, RWD	15–23	$1,015
2006	2.3L 4-cyl, 3.0L 6-cyl, 4.0L 6-cyl	4WD/AWD, RWD	15–23	$1,015
2005	2.3L 4-cyl, 3.0L 6-cyl, 4.0L 6-cyl	4WD/AWD, RWD	15–23	$1,015

Ford Ranger insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Ranger page for that state.

State	Full coverage	Minimum	vs. national	Ranger page
Alabama	$1,110	$395	−13%	Ranger in AL
Alaska	$1,115	$510	−13%	Ranger in AK
Arizona	$1,340	$540	+5%	Ranger in AZ
Arkansas	$1,125	$370	−12%	Ranger in AR
California	$1,250	$470	−2%	Ranger in CA
Colorado	$1,450	$535	+14%	Ranger in CO
Connecticut	$1,355	$585	+6%	Ranger in CT
Delaware	$1,425	$660	+12%	Ranger in DE
District of Columbia	$1,605	$610	+26%	Ranger in DC
Florida	$1,830	$885	+44%	Ranger in FL
Georgia	$1,585	$715	+24%	Ranger in GA
Hawaii	$880	$355	−31%	Ranger in HI
Idaho	$865	$330	−32%	Ranger in ID
Illinois	$1,105	$410	−13%	Ranger in IL
Indiana	$905	$330	−29%	Ranger in IN
Iowa	$865	$255	−32%	Ranger in IA
Kansas	$1,020	$330	−20%	Ranger in KS
Kentucky	$1,075	$430	−16%	Ranger in KY
Louisiana	$1,765	$650	+38%	Ranger in LA
Maine	$810	$350	−36%	Ranger in ME
Maryland	$1,435	$615	+13%	Ranger in MD
Massachusetts	$1,255	$485	−2%	Ranger in MA
Michigan	$1,390	$630	+9%	Ranger in MI
Minnesota	$1,065	$385	−16%	Ranger in MN
Mississippi	$1,220	$435	−4%	Ranger in MS
Missouri	$1,160	$420	−9%	Ranger in MO
Montana	$1,020	$320	−20%	Ranger in MT
Nebraska	$1,020	$330	−20%	Ranger in NE
Nevada	$1,470	$710	+15%	Ranger in NV
New Hampshire	$905	$330	−29%	Ranger in NH
New Jersey	$1,540	$765	+21%	Ranger in NJ
New Mexico	$1,145	$425	−10%	Ranger in NM
New York	$1,715	$765	+35%	Ranger in NY
North Carolina	$950	$365	−25%	Ranger in NC
North Dakota	$815	$225	−36%	Ranger in ND
Ohio	$910	$330	−29%	Ranger in OH
Oklahoma	$1,150	$385	−10%	Ranger in OK
Oregon	$1,150	$515	−10%	Ranger in OR
Pennsylvania	$1,110	$350	−13%	Ranger in PA
Rhode Island	$1,540	$675	+21%	Ranger in RI
South Carolina	$1,365	$600	+7%	Ranger in SC
South Dakota	$975	$260	−24%	Ranger in SD
Tennessee	$1,060	$370	−17%	Ranger in TN
Texas	$1,510	$565	+18%	Ranger in TX
Utah	$1,160	$535	−9%	Ranger in UT
Vermont	$825	$260	−35%	Ranger in VT
Virginia	$1,100	$515	−14%	Ranger in VA
Washington	$1,115	$485	−13%	Ranger in WA
West Virginia	$1,065	$355	−16%	Ranger in WV
Wisconsin	$870	$305	−32%	Ranger in WI
Wyoming	$995	$265	−22%	Ranger in WY

Ford Ranger insurance by driver profile

Estimated annual Ford Ranger premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,385	$2,005	$3,510	$293
Young adult (22)	$805	$1,170	$2,045	$170
Adult in their 30s	$505	$730	$1,275	$106
Adult in their 50s	$465	$670	$1,175	$98
Senior (72)	$565	$815	$1,430	$119
30s, one at-fault accident	$730	$1,060	$1,850	$154
30s, DUI on record	$930	$1,350	$2,360	$197

Ford Ranger vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Ford Ranger	$1,275	80	75	—
Toyota Tacoma	$1,375	87	86	Compare
Nissan Frontier	$1,480	92	77	Compare
Honda Ridgeline	$1,350	77	82	Compare

Estimate Ford Ranger insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Ford models

Expedition $1,370/yr
Explorer $1,400/yr
Bronco $1,260/yr
Bronco Sport $1,380/yr
Escape $1,625/yr
F-150 $1,580/yr
Maverick $1,485/yr
Mustang $1,865/yr
Mustang Mach-E $1,435/yr
F-150 Lightning $1,600/yr
Edge $1,365/yr
Transit Connect $1,425/yr
EcoSport $1,340/yr
GT $1,695/yr
Transit $1,435/yr
Fusion $1,355/yr
Fiesta $1,305/yr
Flex $1,285/yr
Taurus $1,340/yr
C-Max $1,305/yr
Focus $1,280/yr
E-Series $1,220/yr
Crown Victoria $1,260/yr
Explorer Sport Trac $1,240/yr
Taurus X $1,190/yr
Five Hundred $1,260/yr
Freestar $1,135/yr
Freestyle $1,190/yr
Thunderbird $1,445/yr

All Ford insurance costs →

Frequently asked questions

How much is insurance for a Ford Ranger?

We estimate about $1,275 a year ($106 a month) for full coverage and $505 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 20% less than the average vehicle.

Is the Ford Ranger expensive to insure?

HLDI insurance-loss data rates it at 80 for collision and 75 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Ford Ranger?

Maine has the lowest estimate (about $810 a year for full coverage) and Florida the highest (about $1,830).

What is the Ford Ranger's NHTSA safety rating?

The 2026 Ford Ranger earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Ford Ranger cheaper to insure than the Toyota Tacoma?

By our estimate the Ford Ranger costs about $1,275 a year versus $1,400 for the Toyota Tacoma, making it the cheaper of the two to insure.

How much is Ford Ranger insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,510 a year at national-average rates by our estimate.

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