Cost of Ford Ranger Insurance (2025)
Ford Rangers cost an average of $127 per month, or $1,524 per year, to insure.
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Introduced in 1983, the Ford Ranger was once a very popular midsize pickup truck. Ford sold only 32,334 Rangers in 2023.[?]
But the Ranger does hold the top spot on Edmunds’ list of midsize trucks for 2024 — the trusted car guide gives it a rating of 8.2/10. Rangers cost between $32,670 and $55,470, roughly in the middle of the pack for similarly sized trucks.[?]
Here’s what you should know about comparing car insurance rates to find a policy for your Ford Ranger that works for you.
Quick Facts
USAA and State Farm are the cheapest car insurance companies for the Ford Ranger.
Car and Driver gave the 2024 Ranger a rating of 9 out of 10.
Ford redesigned the Ranger in 2024 and also added a Raptor variant.
Cost of Ford Ranger insurance
It costs $127 per month to insure a Ford Ranger, on average. Ford Ranger drivers pay an average of $83 per month for liability insurance and $171 for full-coverage car insurance. You’ll pay the cheapest rates if you have a clean driving record. Any traffic violations you incur will cause your rates to increase — insurers consider various factors when setting your rates, including your driving history.
USAA offers the cheapest average car insurance rates for Ford Ranger owners. But to qualify for USAA, you must be an active military member, a veteran, or a family member of one. If you don’t qualify for USAA, you can turn to State Farm or GEICO for similarly affordable rates. Your insurance premiums will vary by model year, insurer, safety features, and other vehicle data.
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2022 Ford Ranger insurance
The MSRP of the 2022 Ford Ranger starts at $25,285, but costs vary by trim level.
Check out the table below for the average monthly rates for the 2022 Ford Ranger from some of the top insurance companies.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $124 |
| State Farm | $143 |
| GEICO | $148 |
| Allstate | $173 |
| Progressive | $182 |
| American Family | $217 |
| Nationwide | $231 |
| Travelers | $246 |
| Liberty Mutual | $249 |
| Farmers | $310 |
| The General | $311 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2021 Ford Ranger insurance
The MSRP of the 2021 Ford Ranger starts at $24,820, but the price can vary based on cab size.
Below, you’ll find the average monthly insurance premium for the 2021 Ford Ranger from various top insurers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $136 |
| State Farm | $156 |
| GEICO | $161 |
| Allstate | $189 |
| Progressive | $198 |
| American Family | $236 |
| Nationwide | $252 |
| Travelers | $269 |
| Liberty Mutual | $271 |
| Farmers | $338 |
| The General | $339 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2020 Ford Ranger insurance
The MSRP of the 2020 Ford Ranger SuperCab starts at $19,935.
See the table below for average monthly insurance quotes for the 2020 Ford Ranger from some top insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $122 |
| State Farm | $140 |
| GEICO | $145 |
| Allstate | $170 |
| Progressive | $178 |
| American Family | $213 |
| Nationwide | $227 |
| Travelers | $242 |
| Liberty Mutual | $244 |
| Farmers | $304 |
| The General | $305 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2019 Ford Ranger insurance
The MSRP of the 2019 Ford Ranger SuperCab starts at $19,612.
Check out the average 2019 Ford Ranger insurance rates from some of the top insurance companies below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $125 |
| State Farm | $144 |
| GEICO | $149 |
| Allstate | $174 |
| Progressive | $183 |
| American Family | $218 |
| Nationwide | $233 |
| Travelers | $248 |
| Liberty Mutual | $250 |
| Farmers | $312 |
| The General | $313 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Ford Ranger car insurance coverages
If you recently bought a Ford Ranger, you’ll need to buy insurance coverage, too. You might be able to stick with your current insurance company, but it’s important to understand what kinds of coverage you’ll need and why.
Here are some of the most common coverages you’ll likely need:[?]
Ford Ranger insurance FAQs
If you still have questions about Ford Ranger insurance, check out the additional information below about this midsize truck.
Which company has the cheapest Ford Ranger insurance?
USAA has the cheapest Ford Ranger insurance, according to Insurify data. State Farm and GEICO are the second- and third-cheapest insurers for Ford Rangers.
Are Ford Rangers expensive to insure?
No. Ford Rangers aren’t expensive to insure. The average Ford Ranger insurance cost is $127 per month, which is cheaper than the overall national average of $138 per month. But if you have a history of accidents, your Ranger might be expensive to insure.
How much does it cost to insure a Ford Ranger?
The overall average cost to insure a Ford Ranger is $127 per month. A liability policy costs $83 per month, while full-coverage car insurance costs $171 per month. But your rates can vary based on many factors, including your age, location, and driving history.
Are Ford Rangers reliable?
Ford Rangers are reasonably reliable. But the 2022 Ford Ranger has had three recalls.[?]
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