2022 Ford Ranger Car Insurance Calculator

View in real-time how different driver and vehicle factors affect car insurance rates for a 2022 Ford Ranger. Experiment with factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately if your rates increased or decreased.

The average estimated car insurance premium for a 2022 Ford Ranger is $1,898 per year, or about $158 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,898

Cost Per Month

$158

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford Ranger Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Ford Ranger.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,898
Average Rate
Your Rate
$1,898

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Ford Ranger trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Ford Ranger is $1,898.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Ford Ranger vs. the Midsize Truck Segment

The table below compares insurance rates for the 2022 Ford Ranger against all other models in the midsize truck segment. The Ford Ranger is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford Ranger, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford Ranger.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Ford Ranger Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Colorado$1,760-$138
2Ford Maverick$1,826-$72
3Ford Ranger$1,898--
4Toyota Tacoma$1,988$90
5Nissan Frontier$2,034$136
6GMC Canyon$2,046$148
2022 Midsize Truck Average$2,051$153
7Hyundai Santa Cruz$2,054$156
8Honda Ridgeline$2,084$186
9Jeep Gladiator$2,102$204
10Rivian R1T$2,720$822

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Ranger Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Ford Ranger.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Ford Ranger Insurance Rates by Trim Level
2022 Ford Ranger Trim Level Annual Premium Cost Per Month
XL Super Cab$1,736$145
XL Crew Cab$1,804$150
XL Super Cab 4WD$1,840$153
XLT Super Cab$1,846$154
XL Crew Cab 4WD$1,890$158
XLT Crew Cab$1,890$158
XLT Super Cab 4WD$1,918$160
Lariat Super Cab$1,924$160
XLT Crew Cab 4WD$1,958$163
Lariat Crew Cab$1,960$163
Lariat Super Cab 4WD$1,986$166
Lariat Crew Cab 4WD$2,014$168

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Ford Ranger for different driver ages.

2022 Ford Ranger Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,806$567
17$6,542$545
18$5,766$481
19$5,297$441
20$4,044$337
21$3,860$322
22$3,446$287
23$2,877$240
24$2,704$225
25$2,194$183
30$2,012$168
35$1,954$163
40$1,898$158
45$1,782$149
50$1,694$141
55$1,578$132
60$1,580$132
65$1,678$140
70$1,832$153
75$2,172$181
80$2,666$222

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford Ranger trim levels.