Ford F-150 vs. Ranger Insurance Cost

Does the Ford F-150 or Ford Ranger have cheaper insurance cost? We break down rates by trim level for the midsize and full-size Ford trucks to see which is cheapest to insure.

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  • A 2024 Ford Ranger is generally cheaper to insure than a 2024 Ford F150 by an average of $384 per year, $2,622 compared to $2,238.
  • For a 2024 Ford F150, car insurance rates range from $2,200 to $3,042 per year, while car insurance cost for a 2024 Ford Ranger ranges from $2,072 to $2,432 for full-coverage.
  • Average car insurance cost per month for the Ford F150 is 15.8% more expensive than the Ford Ranger, at $219 versus $187, a difference of $32.

Is insurance cheaper for a Ford F150 or Ford Ranger?

For 2024 F150 and Ranger models, the model with the lower car insurance rates is the Ford Ranger. Insurance rates for the Ford F150 average $2,622 per year, while insurance for the Ford Ranger costs an average of $2,238 per year.

Out of 27 Ford F150 trims, the cheapest 2024 trim to insure is the XL Super Cab 4WD model at an average cost of $2,200 per year. For the seven trims available for the Ford Ranger, the cheapest 2024 trim to insure is the XL Crew Cab model at a cost of $2,072.

When comparing both models at a trim-level basis, the cheapest model and trim level is the Ford Ranger XL Crew Cab at an average of $2,072 per year. The highest-cost model and trim level is the Ford F150 Lightning Platinum Black Special Edition at an average of $3,042 per year.

The rate table below ranks the 12-month and monthly car insurance cost for 2024 Ford F150 and Ford Ranger models, showing average cost for each trim level.

2024 Model Year Ford F150 vs. Ford Ranger Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$2,072$173
$2,154$180
$2,162$180
$2,200$183
$2,212$184
$2,224$185
$2,292$191
$2,316$193
$2,330$194
$2,342$195
$2,364$197
$2,372$198
$2,432$203
$2,434$203
$2,448$204
$2,468$206
$2,504$209
$2,532$211
$2,628$219
$2,634$220
$2,676$223
$2,684$224
$2,698$225
$2,698$225
$2,698$225
$2,724$227
$2,726$227
$2,748$229
$2,886$241
$2,898$242
$2,906$242
$2,948$246
$3,010$251
$3,042$254

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2024 Ford F150 and a 2024 Ford Ranger
Annual and monthly insurance cost by trim level for a 2024 Ford F150 and a 2024 Ford Ranger

The chart shown below illustrates the average cost to insure both models using drivers aged 20 to 50. Average car insurance cost ranges from $2,322 to $5,298 per year for a 2024 Ford F150, and $1,986 to $4,518 for a 2024 Ford Ranger for the example age groups.

Average car insurance premiums for 2024 Ford F150 and Ford Ranger models for different driver ages.
Figure 1: Average car insurance premiums for 2024 Ford F150 and Ford Ranger models for different driver ages. Rates updated on June 27, 2025.

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Data Methodology: Rates based on a 2024 model year Ford F150 and Ford Ranger. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2024 Ford F150 vs. Ford Ranger Insurance Cost
Driver Age Ford F150 Ford Ranger
18-Year-Old$8,159$6,947
20-Year-Old$5,298$4,518
25-Year-Old$3,046$2,600
30-Year-Old$2,798$2,382
40-Year-Old$2,622$2,238
50-Year-Old$2,322$1,986
60-Year-Old$2,172$1,858

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year. Updated June 27, 2025

The tables shown below show average car insurance cost by trim level for a 2024 Ford F150 and Ford Ranger, along with an average cost for each model. The winner for the 2024 car insurance cost comparison is the Ford Ranger.

2024 Ford F150

$2,622

Insurance Rates by Trim Level for a 2024 Ford F150
2024 Ford F150 TrimsRate
XL Super Cab 4WD$2,200
XL Regular Cab2,212
XL Super Cab2,316
XL Regular Cab 4WD2,330
XL SuperCrew2,364
STX Super Cab2,372
XLT Super Cab2,434
XL SuperCrew 4WD2,448
XLT SuperCrew2,468
XLT Super Cab 4WD2,504
XLT SuperCrew 4WD2,532
Tremor SuperCrew 4WD2,628
Lariat SuperCrew2,634
Lariat SuperCrew 4WD2,676
Lightning Pro2,684
King Ranch SuperCrew2,698
Platinum SuperCrew2,698
Platinum SuperCrew 4WD2,698
Raptor SuperCrew 4WD2,724
King Ranch SuperCrew 4WD2,726
Lightning XLT Standard Range2,748
Lightning XLT Extended Range2,886
Lightning Lariat Standard Range2,898
Lightning Flash Extended Range2,906
Lightning Lariat Extended Range2,948
Lightning Platinum3,010
Lightning Platinum Black Special Edition3,042
2024 Ford F150 Average Rate$2,622

2024 Ford Ranger

$2,238

Insurance Rates by Trim Level for 2024 Ford F150
2024 Ford Ranger TrimsRate
XL Crew Cab$2,072
XLT Crew Cab2,154
XL Crew Cab 4WD2,162
XLT Crew Cab 4WD2,224
Lariat Crew Cab2,292
Lariat Crew Cab 4WD2,342
Raptor2,432
2024 Ford Ranger Average Rate$2,238

2023 Ford F150 vs. Ford Ranger

Insurance on a 2023 Ford F150 averages $2,314 per year, whereas insurance for a Ford Ranger averages $2,018 per year, making the Ford Ranger the cheaper of the two models by $296 per year.

For the 2023 Ford F150, average car insurance prices range from as low as $1,982 per year for the $46,195 XL Super Cab 4WD model up to the highest rate of $2,558 for the $100,090 Lightning Platinum trim level. For a 2023 Ford Ranger, insurance prices vary from $1,858 every 12 months for the XL Super Cab model up to $2,138 for the Lariat Crew Cab 4WD trim level.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim is the Ford Ranger XL Super Cab at an average cost of $1,858 per year, and the most expensive trim is the Ford F150 Lightning Platinum costing an average of $2,558 per year.

For a 2023 Ford F150, the cheapest models are the XL Super Cab 4WD, XL Regular Cab, and XL Super Cab. The cheapest Ford Ranger models include the XL Super Cab, XL Crew Cab, and XL Super Cab 4WD.

On a monthly basis, insurance rates for all 2023 Ford F150 and Ford Ranger trim levels range from $155 to $213 per month.

The rate table below ranks the cost of car insurance for 2023 Ford F150 and Ford Ranger models, showing average cost by trim level for each model.

2023 Model Year Ford F150 vs. Ford Ranger Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,858$155
$1,922$160
$1,958$163
$1,970$164
$1,982$165
$2,006$167
$2,010$168
$2,012$168
$2,040$170
$2,052$171
$2,074$173
$2,086$174
$2,110$176
$2,110$176
$2,124$177
$2,136$178
$2,138$178
$2,158$180
$2,190$183
$2,222$185
$2,226$186
$2,256$188
$2,256$188
$2,286$191
$2,306$192
$2,360$197
$2,376$198
$2,388$199
$2,388$199
$2,402$200
$2,416$201
$2,424$202
$2,438$203
$2,474$206
$2,482$207
$2,502$209
$2,516$210
$2,522$210
$2,558$213

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 26, 2025

Annual and monthly insurance cost by trim level for a 2023 Ford F150 and a 2023 Ford Ranger
Annual and monthly insurance cost by trim level for a 2023 Ford F150 and a 2023 Ford Ranger

The chart shown below illustrates the average cost to insure both 2023 models for different driver ages. Insurance cost ranges from $2,054 to $4,624 per year for a 2023 Ford F150, and $1,798 to $4,046 for a 2023 Ford Ranger for the age groups used in this illustration.

Average car insurance premiums for 2023 Ford F150 and Ford Ranger models for different driver ages.
Figure 2: Average car insurance premiums for 2023 Ford F150 and Ford Ranger models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2023 model year Ford F150 and Ford Ranger. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2023 Ford F150 vs. Ford Ranger Insurance Cost
Driver Age Ford F150 Ford Ranger
18-Year-Old$7,082$6,200
20-Year-Old$4,624$4,046
25-Year-Old$2,684$2,340
30-Year-Old$2,466$2,144
40-Year-Old$2,314$2,018
50-Year-Old$2,054$1,798
60-Year-Old$1,922$1,682

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2023 model year. Updated June 26, 2025

Out of 27 trims for the 2023 Ford F150, the cheapest insurance rates are on the XL Super Cab 4WD trim at a cost of $1,982 per year. Out of the 12 trim levels available for the Ford Ranger, the cheapest 2023 trim level to insure is the XL Super Cab model at a cost of $1,858 per year, or about $155 per month.

When rates for all 39 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Ford Ranger XL Super Cab at a cost of $1,858 per year, and the most expensive trim is the Ford F150 Lightning Platinum at an average of $2,558 per year.

The next tables illustrate average car insurance cost by trim level for a 2023 Ford F150 and Ford Ranger, plus an average rate for each model. The cheapest of the two models to insure for the 2023 model year is the Ford Ranger.

2023 Ford F150

$2,314

Insurance Rates by Trim Level for a 2023 Ford F150
2023 Ford F150 TrimsRate
XL Super Cab 4WD$1,982
XL Regular Cab2,010
XL Super Cab2,110
XLT Regular Cab 4WD2,124
XL Regular Cab 4WD2,136
XL SuperCrew2,158
XLT Regular Cab2,190
XLT Super Cab2,222
XL SuperCrew 4WD2,226
XLT SuperCrew2,256
XLT Super Cab 4WD2,256
XLT SuperCrew 4WD2,286
Lightning Pro2,306
Lariat SuperCrew2,360
Lightning XLT2,376
Lariat SuperCrew 4WD2,388
Tremor SuperCrew 4WD2,388
King Ranch SuperCrew2,402
Platinum SuperCrew2,416
King Ranch SuperCrew 4WD2,424
Platinum SuperCrew 4WD2,438
Lightning Lariat2,474
Raptor SuperCrew 4WD2,482
Lightning XLT Premium2,502
Limited SuperCrew2,516
Lightning Lariat Premium2,522
Lightning Platinum2,558
2023 Ford F150 Average Rate$2,314

2023 Ford Ranger

$2,018

Insurance Rates by Trim Level for 2023 Ford F150
2023 Ford Ranger TrimsRate
XL Super Cab$1,858
XL Crew Cab1,922
XL Super Cab 4WD1,958
XLT Super Cab1,970
XL Crew Cab 4WD2,006
XLT Crew Cab2,012
XLT Super Cab 4WD2,040
Lariat Super Cab2,052
XLT Crew Cab 4WD2,074
Lariat Crew Cab2,086
Lariat Super Cab 4WD2,110
Lariat Crew Cab 4WD2,138
2023 Ford Ranger Average Rate$2,018

2022 Ford F150 vs. Ford Ranger

Car insurance on a 2022 Ford F150 costs an average of $2,066 per year, while insurance for a 2022 Ford Ranger averages $1,898 per year, making the Ford Ranger the model with the cheapest overall car insurance rates.

Car insurance cost varies quite a bit for each different trim level, however. For a 2022 Ford F150, car insurance rates range from $1,782 per year for the XL Regular Cab 4WD model up to the most expensive rate of $2,350 for the Limited SuperCrew model. For a 2022 Ford Ranger, rates can range from $1,736 per year for the XL Super Cab model up to $2,014 for the most expensive to insure Lariat Crew Cab 4WD model.

When rates are compared for both models, the most affordable model and trim level is the Ford Ranger XL Super Cab at an average rate of $1,736 per year. The most expensive model and trim level is the Ford F150 Limited SuperCrew at a cost of $2,350 per year.

For a 2022 Ford F150, the cheapest models are the XL Regular Cab 4WD, XL Super Cab 4WD, and XLT Regular Cab 4WD. The cheapest Ford Ranger models include the XL Super Cab, XL Crew Cab, and XL Super Cab 4WD.

For pre-2022 models, the average car insurance costs compare as follows. Click on any link to view rates for all trim levels.

The chart below shows Ford F150 and Ford Ranger car insurance rates for 2022 models, with rate data shown by driver age.

The table below compares annual and monthly car insurance cost for a 2022 Ford F150 and Ford Ranger. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of cost for individual models.

2022 Model Year Ford F150 vs. Ford Ranger Insurance Rates
Model and Trim Level Annual Premium Cost Per Month
$1,736$145
$1,782$149
$1,804$150
$1,840$153
$1,846$154
$1,854$155
$1,882$157
$1,890$158
$1,890$158
$1,900$158
$1,908$159
$1,918$160
$1,918$160
$1,922$160
$1,924$160
$1,948$162
$1,958$163
$1,960$163
$1,986$166
$1,990$166
$2,006$167
$2,010$168
$2,014$168
$2,030$169
$2,030$169
$2,042$170
$2,056$171
$2,068$172
$2,072$173
$2,088$174
$2,090$174
$2,112$176
$2,112$176
$2,122$177
$2,160$180
$2,170$181
$2,190$183
$2,194$183
$2,214$185
$2,262$189
$2,282$190
$2,310$193
$2,350$196

Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on June 27, 2025

Annual and monthly insurance cost by trim level for a 2022 Ford F150 and a 2022 Ford Ranger
Annual and monthly insurance cost by trim level for a 2022 Ford F150 and a 2022 Ford Ranger

For the 2022 Ford F150 and Ford Ranger models, the Ford Ranger has cheaper car insurance rates by an average of $168 per year.

The rate chart below displays the average cost to insure both 2022 models for the 20 to 50-year-old driver age groups. For a 2022 Ford F150, average insurance cost ranges from $1,838 to $4,148 per year for the included age groups. A 2022 Ford Ranger costs from $1,694 to $3,778 to insure per year.

Average car insurance premiums for 2022 Ford F150 and Ford Ranger models for different driver ages.
Figure 3: Average car insurance premiums for 2022 Ford F150 and Ford Ranger models for different driver ages. Rates updated on June 26, 2025.

Data Methodology: Rates based on a 2022 model year Ford F150 and Ford Ranger. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2022 Ford F150 vs. Ford Ranger Insurance Cost
Driver Age Ford F150 Ford Ranger
18-Year-Old$6,363$5,766
20-Year-Old$4,148$3,778
25-Year-Old$2,398$2,194
30-Year-Old$2,200$2,012
40-Year-Old$2,066$1,898
50-Year-Old$1,838$1,694
60-Year-Old$1,718$1,580

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2022 model year. Updated June 26, 2025

For the 31 trims available for the 2022 Ford F150, the cheapest trim level to insure is the XL Regular Cab 4WD trim at an average cost of $1,782 per year, or about $149 per month.

Out of the 12 trims available for the Ford Ranger, the cheapest 2022 model to insure is the XL Super Cab trim at a cost of $1,736.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to insure is the Ford Ranger XL Super Cab at an average of $1,736 per year. The most expensive model and trim level is the Ford F150 Limited SuperCrew costing $2,350 per year.

The next two tables show the cost to insure the available trim levels for both 2022 models, including the average rate for each model. The cheapest to insure for the 2022 model year is the Ford Ranger.

2022 Ford F150

$2,066

Insurance Rates by Trim Level for a 2022 Ford F150
2022 Ford F150 TrimsRate
XL Regular Cab 4WD$1,782
XL Super Cab 4WD1,854
XLT Regular Cab 4WD1,882
Lightning Pro1,900
XL SuperCrew 4WD1,908
XL Regular Cab1,918
XLT Super Cab 4WD1,922
XLT SuperCrew 4WD1,948
Lariat Super Cab 4WD1,990
XL Super Cab2,006
Lariat SuperCrew 4WD2,010
Tremor SuperCrew 4WD2,030
Lightning XLT2,030
XLT Regular Cab2,042
Lightning XLT Premium2,056
XL SuperCrew2,068
King Ranch SuperCrew 4WD2,072
XLT Super Cab2,088
Platinum SuperCrew 4WD2,090
Raptor SuperCrew 4WD2,112
Lightning Lariat2,112
XLT SuperCrew2,122
Lightning Lariat Premium2,160
Lariat Super Cab2,170
Lightning Platinum2,190
Lariat SuperCrew2,194
Tremor SuperCrew2,214
King Ranch SuperCrew2,262
Platinum SuperCrew2,282
Raptor SuperCrew2,310
Limited SuperCrew2,350
2022 Ford F150 Average Rate$2,066

2022 Ford Ranger

$1,898

Insurance Rates by Trim Level for 2022 Ford F150
2022 Ford Ranger TrimsRate
XL Super Cab$1,736
XL Crew Cab1,804
XL Super Cab 4WD1,840
XLT Super Cab1,846
XL Crew Cab 4WD1,890
XLT Crew Cab1,890
XLT Super Cab 4WD1,918
Lariat Super Cab1,924
XLT Crew Cab 4WD1,958
Lariat Crew Cab1,960
Lariat Super Cab 4WD1,986
Lariat Crew Cab 4WD2,014
2022 Ford Ranger Average Rate$1,898

2021 Ford F150 vs. Ford Ranger

For the 2021 Ford F150 and Ford Ranger models, the Ford Ranger is cheaper to insure by an average of $234 per year.

The chart shown below displays the average cost to insure both 2021 models rated for drivers aged 20 to 50. Insurance cost ranges from $1,852 to $4,232 per year for a 2021 Ford F150, and $1,652 to $3,698 for a 2021 Ford Ranger for the illustrated age groups.

Average car insurance premiums for 2021 Ford F150 and Ford Ranger models for different driver ages.
Figure 4: Average car insurance premiums for 2021 Ford F150 and Ford Ranger models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2021 model year Ford F150 and Ford Ranger. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2021 Ford F150 vs. Ford Ranger Insurance Cost
Driver Age Ford F150 Ford Ranger
18-Year-Old$6,525$5,651
20-Year-Old$4,232$3,698
25-Year-Old$2,424$2,142
30-Year-Old$2,222$1,960
40-Year-Old$2,084$1,850
50-Year-Old$1,852$1,652
60-Year-Old$1,736$1,544

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2021 model year. Updated June 27, 2025

For the 43 trims available for the 2021 Ford F150, the cheapest model to insure is the XL Regular Cab 6.5 4WD model at an average cost of $1,858 per year.

For the 11 trim levels available for the Ford Ranger, the cheapest 2021 trim to insure is the XL Super Cab 2WD trim at a cost of $1,680.

When rates for all 54 trim levels for both vehicles are compared, the lowest-cost model and trim to insure is the Ford Ranger XL Super Cab 2WD at an average rate of $1,680 per year, and the overall most expensive vehicle to insure is the Ford F150 Limited Super Cab 2WD at a cost of $2,468 per year.

The rate tables below display the expected annual car insurance cost by trim level for both 2021 models, along with an average cost for each model.

2021 Ford F150

$2,084

Insurance Rates by Trim Level for a 2021 Ford F150
2021 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,858
XL Regular Cab 8 Ft Bed 4WD1,858
XL Regular Cab 2WD1,888
XL Regular Cab 6.5 2WD1,888
XL Super Cab 6.5 4WD1,924
XL Super Cab 8 Ft Bed 4WD1,924
XL SuperCrew 4WD1,924
XLT Regular Cab 6.5 4WD1,924
XLT Regular Cab 8 Ft Bed 4WD1,924
XL Super Cab 6.5 2WD1,952
XL SuperCrew 6.5 4WD1,990
XLT Super Cab 6.5 4WD1,990
XLT Super Cab 8 Ft Bed 4WD1,990
XLT SuperCrew 4WD1,990
XLT SuperCrew 6.52,008
Lariat Super Cab 4WD2,052
Lariat Super Cab 6.5 4WD2,052
Lariat Super Cab 8 Ft Bed 4WD2,052
XLT SuperCrew 6.5 4WD2,052
Lariat Super Cab 6.52,072
XL Super Cab 8 Ft Bed 2WD2,082
XL SuperCrew 2WD2,082
XLT Regular Cab 2WD2,082
XLT Regular Cab 6.5 2WD2,082
Raptor Super Cab 4WD2,118
King Ranch Crew Cab 6.52,136
XL SuperCrew 6.52,146
XLT Super Cab 6.5 2WD2,146
XLT Super Cab 8 Ft Bed 2WD2,146
XLT SuperCrew 2WD2,146
King Ranch Crew Cab 4WD2,182
King Ranch Crew Cab 6.5 4WD2,182
Platinum SuperCrew 4WD2,182
Platinum SuperCrew 6.5 4WD2,182
Raptor Crew Cab 4WD2,182
Platinum SuperCrew 6.52,202
Lariat Super Cab 2WD2,210
Lariat Super Cab 6.5 2WD2,210
Lariat Super Cab 8 Ft Bed 2WD2,210
King Ranch Crew Cab 2WD2,338
Limited Super Cab 4WD2,356
Platinum SuperCrew 2WD2,404
Limited Super Cab 2WD2,468
2021 Ford F150 Average Rate$2,084

2021 Ford Ranger

$1,850

Insurance Rates by Trim Level for 2021 Ford F150
2021 Ford Ranger TrimsRate
XL Super Cab 2WD$1,680
XL Crew Cab 2WD1,746
XL Super Cab 4WD1,790
XLT Crew Cab 2WD1,796
XL Crew Cab 4WD1,854
XLT Super Cab 2WD1,854
XLT Super Cab 4WD1,854
Lariat Super Cab 2WD1,874
Lariat Crew Cab 2WD1,938
Lariat Crew Cab 4WD1,982
Lariat Super Cab 4WD1,982
2021 Ford Ranger Average Rate$1,850

2020 Ford F-150 vs. Ranger Insurance Cost

When comparing car insurance rates for the 2020 Ford F150 and Ford Ranger models, the Ford Ranger is cheaper to insure by an average of $216 per year for this comparison year.

The rate chart below displays the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2020 Ford F150, the average cost of car insurance ranges from $1,798 to $4,108 per year for the included age groups. A 2020 Ford Ranger costs from $1,614 to $3,612 to insure per year.

Average car insurance premiums for 2020 Ford F150 and Ford Ranger models for different driver ages.
Figure 5: Average car insurance premiums for 2020 Ford F150 and Ford Ranger models for different driver ages. Rates updated on June 27, 2025.

Data Methodology: Rates based on a 2020 model year Ford F150 and Ford Ranger. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision deductibles are $500 and coverage includes UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels for each vehicle.

2020 Ford F150 vs. Ford Ranger Insurance Cost
Driver Age Ford F150 Ford Ranger
18-Year-Old$6,331$5,524
20-Year-Old$4,108$3,612
25-Year-Old$2,354$2,094
30-Year-Old$2,158$1,916
40-Year-Old$2,024$1,808
50-Year-Old$1,798$1,614
60-Year-Old$1,686$1,508

Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2020 model year. Updated June 27, 2025

Out of 43 Ford F150 trims, the cheapest 2020 trim to insure is the XL Regular Cab 6.5 4WD trim at an average cost of $1,804 per year. For the 11 trim levels available for the Ford Ranger, the cheapest 2020 trim level to insure is the XL Super Cab 2WD model at a cost of $1,642.

When car insurance rates for all 54 trims of both models are combined and sorted by cost, the cheapest model and trim level to insure is the Ford Ranger XL Super Cab 2WD at a cost of $1,642 per year, and the most expensive model and trim level is the Ford F150 Limited Super Cab 2WD at an average cost of $2,394 per year.

The rate tables below display the average cost to insure each trim level for a 2020 Ford F150 and Ford Ranger, as well as the overall average rate for each model. The 2020 Ford Ranger has more affordable average car insurance than the 2020 Ford F150.

2020 Ford F150

$2,024

Insurance Rates by Trim Level for a 2020 Ford F150
2020 Ford F150 TrimsRate
XL Regular Cab 6.5 4WD$1,804
XL Regular Cab 8 Ft Bed 4WD1,804
XL Regular Cab 2WD1,838
XL Regular Cab 6.5 2WD1,838
XL Super Cab 6.5 4WD1,866
XL Super Cab 8 Ft Bed 4WD1,866
XL SuperCrew 4WD1,866
XLT Regular Cab 6.5 4WD1,866
XLT Regular Cab 8 Ft Bed 4WD1,866
XL Super Cab 6.5 2WD1,902
XL SuperCrew 6.5 4WD1,928
XLT Super Cab 6.5 4WD1,928
XLT Super Cab 8 Ft Bed 4WD1,928
XLT SuperCrew 4WD1,928
XLT SuperCrew 6.51,946
Lariat Super Cab 4WD1,990
Lariat Super Cab 6.5 4WD1,990
Lariat Super Cab 8 Ft Bed 4WD1,990
XLT SuperCrew 6.5 4WD1,990
Lariat Super Cab 6.52,008
XL Super Cab 8 Ft Bed 2WD2,024
XL SuperCrew 2WD2,024
XLT Regular Cab 2WD2,024
XLT Regular Cab 6.5 2WD2,024
Raptor Super Cab 4WD2,052
King Ranch Crew Cab 6.52,070
XL SuperCrew 6.52,086
XLT Super Cab 6.5 2WD2,086
XLT Super Cab 8 Ft Bed 2WD2,086
XLT SuperCrew 2WD2,086
King Ranch Crew Cab 4WD2,112
King Ranch Crew Cab 6.5 4WD2,112
Platinum SuperCrew 4WD2,112
Platinum SuperCrew 6.5 4WD2,112
Raptor Crew Cab 4WD2,112
Platinum SuperCrew 6.52,132
Lariat Super Cab 2WD2,146
Lariat Super Cab 6.5 2WD2,146
Lariat Super Cab 8 Ft Bed 2WD2,146
King Ranch Crew Cab 2WD2,272
Limited Super Cab 4WD2,280
Platinum SuperCrew 2WD2,334
Limited Super Cab 2WD2,394
2020 Ford F150 Average Rate$2,024

2020 Ford Ranger

$1,808

Insurance Rates by Trim Level for 2020 Ford F150
2020 Ford Ranger TrimsRate
XL Super Cab 2WD$1,642
XL Crew Cab 2WD1,704
XL Super Cab 4WD1,748
XLT Crew Cab 2WD1,754
XL Crew Cab 4WD1,808
XLT Super Cab 2WD1,808
XLT Super Cab 4WD1,808
Lariat Super Cab 2WD1,828
Lariat Crew Cab 2WD1,904
Lariat Super Cab 4WD1,934
Lariat Crew Cab 4WD1,946
2020 Ford Ranger Average Rate$1,808

Additional Ford F150 and Ford Ranger Resources