Ford Ranger Insurance Rates for 2022

How much does Ford Ranger insurance cost? We compared insurance rates from the base XL Super Cab model up to the Lariat Crew Cab 4WD trim to find out how prices ranked against all other mid-size pickup trucks.

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How much does Ford Ranger insurance cost?

Ford Ranger insurance costs an average of $1,346 per year, with monthly payments ranging from $103 to $119, depending on the trim level being insured.

For individual policy coverages, liability/medical costs about $508 a year, comprehensive coverage is an estimated $340, and the remaining collision coverage costs around $498.

The following chart illustrates how average 2022 Ford Ranger insurance cost varies based on the age of the rated driver and the chosen policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Ford Ranger with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Ford Ranger trim levels.Data last updated on April 14, 2022
Ford Ranger Insurance Rate Summary
Ford Ranger Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,278$190
$500$2,642$220
$250$3,024$252
30$1,000$1,200$100
$500$1,408$117
$250$1,624$135
40$1,000$1,154$96
$500$1,346$112
$250$1,544$129
50$1,000$1,054$88
$500$1,224$102
$250$1,402$117
60$1,000$1,030$86
$500$1,198$100
$250$1,372$114

To help illustrate how much car insurance rates can vary, keep in mind that buying liability-only Ranger insurance in the cheaper areas of North Carolina or Illinois can be as cheap as $204 a year.

For an identical Ranger, a teenager with some at-fault accidents and traffic citations in some urban areas in Michigan might be as high as $26,026 a year for a policy with full coverage.

The following table shows average Ford Ranger insurance rates for the 2019 to 2022 model years, rated for different driver ages.

Ford Ranger Insurance Cost for 2019-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,642$1,408$1,346$1,224$1,198
2021$2,590$1,374$1,314$1,198$1,172
2020$2,550$1,350$1,292$1,178$1,154
2019$2,360$1,240$1,192$1,090$1,068

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Ford Ranger Insurance Rates by Model Year

How do Ranger insurance rates compare to other trucks?

The Ford Ranger ranks #3 out of 10 comparison vehicles in the 2022 midsize truck class. The Ranger costs an average of $1,346 per year for full coverage insurance, while the category average cost is $1,452 per year, a difference of $106 per year.

When Ford Ranger insurance rates are compared directly to the most popular models in the midsize truck segment, the Ranger costs $60 less per year than the Toyota Tacoma, $100 more than the Chevrolet Colorado, $94 less than the Nissan Frontier, and $142 less than the Jeep Gladiator.

The chart below shows how well average Ranger insurance rates fare against the entire 2022 midsize pickup truck class.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Ford Ranger, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford Ranger trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 8, 2022
Ford Ranger vs Midsize Trucks Insurance Rate Comparison
Ford Ranger Insurance Cost Compared to All Midsize Trucks
Rank Make/Model Insurance Cost Difference
1Chevrolet Colorado$1,246-$100
2Ford Maverick$1,294-$52
3Ford Ranger$1,346--
4Toyota Tacoma$1,406$60
5Nissan Frontier$1,440$94
6GMC Canyon$1,448$102
7Hyundai Santa Cruz$1,456$110
8Honda Ridgeline$1,474$128
9Jeep Gladiator$1,488$142
10Rivian R1T$1,926$580

Another way to compare rates is to see how the average car insurance quote for a Ford Ranger compares to midsize pickups with the closest MSRP, or purchase price.

With an average MSRP of $32,548, the cost to buy a new 2022 Ford Ranger ranges from $25,500 to $39,465.

The models that have the most similar average MSRP to the Ford Ranger for the 2022 model year are the Nissan Frontier, Hyundai Santa Cruz, Toyota Tacoma, and Chevrolet Colorado.

The next list shows how those four pickups compare to a 2022 Ford Ranger, both for MSRP and average insurance rates.

  • Ford Ranger vs. Nissan Frontier – Having an average price of $33,062 and ranging from $28,140 to $37,370, the 2022 Nissan Frontier costs $514 more than the Ford Ranger. Insuring a 2022 Ford Ranger compared to the Nissan Frontier costs an average of $94 less each year.
  • Ford Ranger vs. Hyundai Santa Cruz – The 2022 Hyundai Santa Cruz sells for an average of $31,645, ranging from $23,990 to $39,720, which is $903 cheaper than the average sticker price for the Ford Ranger. Buying insurance for the Hyundai Santa Cruz costs an average of $110 more every 12 months than the Ford Ranger.
  • Ford Ranger vs. Toyota Tacoma – The 2022 Ford Ranger has an average MSRP that is $2,609 cheaper than the Toyota Tacoma ($32,548 versus $35,157). Expect to pay around $60 more per year to insure the Toyota Tacoma compared to a Ranger.
  • Ford Ranger vs. Chevrolet Colorado – The Chevrolet Colorado sells for an average of $35,276 ($27,880 to $45,395), which is $2,728 more expensive than the MSRP for the Ford Ranger. Insurance on the Ford Ranger costs an average of $100 more each year than the Chevrolet Colorado.

Which Ranger trim is cheapest to insure?

The cheapest model of Ford Ranger to insure is the XL Super Cab at an estimated $1,232 per year. The next cheapest trim is the XL Crew Cab at $1,280 per year, and the third cheapest trim level to insure is the XL Super Cab 4WD, also at $1,304 per year.

For higher trim levels, the three highest cost Ranger trim levels to insure are the Ford Ranger Lariat Crew Cab, the Lariat Super Cab 4WD, and the Lariat Crew Cab 4WD trim levels all at an estimated $1,428 per year.

Ford Ranger FX4 Off Road
2021 Ford Ranger in Cyber Orange with FX4 off-road package

With most vehicle models, when the vehicle MSRP increases as options are added, insurance policy cost generally increases as a result. The rate table below displays average insurance rates for annual and 6-month policy terms, including a monthly budget amount, for each 2022 Ford Ranger trim level.

2022 Ford Ranger Insurance Cost by Trim Level
Ford Ranger Trim Level Annual Policy 6-month Policy Per Month
XL Super Cab$1,232$616$103
XL Crew Cab$1,280$640$107
XL Super Cab 4WD$1,304$652$109
XLT Super Cab$1,308$654$109
XL Crew Cab 4WD$1,340$670$112
XLT Crew Cab$1,340$670$112
XLT Super Cab 4WD$1,360$680$113
Lariat Super Cab$1,364$682$114
XLT Crew Cab 4WD$1,388$694$116
Lariat Crew Cab$1,388$694$116
Lariat Super Cab 4WD$1,408$704$117
Lariat Crew Cab 4WD$1,428$714$119

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ford Ranger, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Ford Ranger Insurance Cost by Trim Level

Does the Tremor package increase the cost of insurance?

As a $4,290 add-on package, the Tremor Off-Road package is available on XLT and Lariat Ranger models and could increase the cost of car insurance slightly. Most drivers would see at most a 5% annual increase, with pricing dependent on how each car insurance company rates the Tremor package.

With the XLT and Lariat SuperCrew models averaging from $1,420 to $1,490 per year for insurance, a 5% annual increase would put the extra cost of insurance for the Tremor package at $70 per year. Again, that would be the maximum amount of extra premium.

The Ranger Tremor is one of our favorite new off-road models, as it gives an extra 0.8 inches of ground clearance, an extra 2.2 degrees of approach angle, and an extra 2.7 degrees of breakover angle. Not to mention the extra “toughness” of the Ranger appearance added by the 32-inch A/TX tires and steel front bash plate and underbody skid plates.

Can my address impact the rate I pay?

The cost to insure a Ford Ranger can differ widely, from cheaper rates like $844 a year in Raleigh, NC, or $968 in Charlotte, NC, to more expensive rates such as $2,256 a year in Philadelphia, PA, and $2,246 in Los Angeles, CA.

2021 Ford Ranger in Cyber Orange
2021 Ford Ranger XLT in Cyber Orange with FX4 package, 2.3L EcoBoost, Black Appearance Package

The cost of insurance for a Ford Ranger in some other areas include Long Beach, CA, at an estimated $1,760 per year, San Jose, CA, at $1,598, Omaha, NE, costing $1,256, and Houston, TX, averaging $1,440.

The data visualization below shows typical full coverage auto insurance policy costs for a Ford Ranger for the 15 cities with highest population in the United States. Following the chart, a table is appended that details estimated rates in the 50 largest metro areas.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Ford Ranger, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Ford Ranger trim levels.Data last updated on February 20, 2022
Ford Ranger Insurance Rates in Large U.S. Cities
Ford Ranger Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,302$442
New Orleans, LA$3,170$264
Miami, FL$2,614$218
New York, NY$2,558$213
Philadelphia, PA$2,256$188
Las Vegas, NV$2,252$188
Los Angeles, CA$2,246$187
Louisville, KY$2,154$180
San Francisco, CA$1,930$161
Jacksonville, FL$1,920$160
Oakland, CA$1,916$160
Sacramento, CA$1,814$151
Baltimore, MD$1,776$148
Long Beach, CA$1,760$147
Tulsa, OK$1,718$143
Kansas City, MO$1,706$142
Oklahoma City, OK$1,706$142
Denver, CO$1,672$139
Memphis, TN$1,672$139
Atlanta, GA$1,648$137
Colorado Springs, CO$1,634$136
Fresno, CA$1,610$134
San Jose, CA$1,598$133
Phoenix, AZ$1,556$130
Portland, OR$1,536$128
San Diego, CA$1,520$127
Boston, MA$1,518$127
Chicago, IL$1,474$123
Wichita, KS$1,474$123
Dallas, TX$1,448$121
Houston, TX$1,440$120
Seattle, WA$1,436$120
Minneapolis, MN$1,426$119
Birmingham, AL$1,420$118
Nashville, TN$1,376$115
Milwaukee, WI$1,368$114
Mesa, AZ$1,362$114
Indianapolis, IN$1,362$114
Albuquerque, NM$1,342$112
Tucson, AZ$1,314$110
San Antonio, TX$1,296$108
Omaha, NE$1,256$105
Fort Worth, TX$1,248$104
El Paso, TX$1,246$104
Austin, TX$1,232$103
Cleveland, OH$1,072$89
Columbus, OH$1,020$85
Charlotte, NC$968$81
Virginia Beach, VA$910$76
Raleigh, NC$844$70

What does Ford Ranger insurance cost in my state?

When analyzing Ford Ranger rates from a broader perspective, states like Virginia ($874) and Maine ($936) have lower rates, while states like Nevada ($1,484), Michigan ($2,156), and Louisiana ($1,958) have more expensive Ranger insurance rates.

Most states tend toward the median, with states like Arizona, Colorado, and Minnesota included in this group with average Ford Ranger insurance rates of $1,204, $1,446, and $1,190 per year, respectively.

Ford Ranger Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,102$551$92
Alaska$1,188$594$99
Arizona$1,204$602$100
Arkansas$1,450$725$121
California$1,552$776$129
Colorado$1,446$723$121
Connecticut$1,314$657$110
Delaware$1,376$688$115
Florida$1,978$989$165
Georgia$1,310$655$109
Hawaii$920$460$77
Idaho$1,068$534$89
Illinois$1,092$546$91
Indiana$1,012$506$84
Iowa$980$490$82
Kansas$1,362$681$114
Kentucky$1,576$788$131
Louisiana$1,958$979$163
Maine$936$468$78
Maryland$1,222$611$102
Massachusetts$1,110$555$93
Michigan$2,156$1,078$180
Minnesota$1,190$595$99
Mississippi$1,278$639$107
Missouri$1,436$718$120
Montana$1,318$659$110
Nebraska$1,294$647$108
Nevada$1,484$742$124
New Hampshire$816$408$68
New Jersey$1,278$639$107
New Mexico$1,086$543$91
New York$1,442$721$120
North Carolina$860$430$72
North Dakota$1,126$563$94
Ohio$786$393$66
Oklahoma$1,318$659$110
Oregon$1,134$567$95
Pennsylvania$1,140$570$95
Rhode Island$1,594$797$133
South Carolina$1,246$623$104
South Dakota$1,226$613$102
Tennessee$1,070$535$89
Texas$1,276$638$106
Utah$1,118$559$93
Vermont$898$449$75
Virginia$874$437$73
Washington$1,028$514$86
West Virginia$1,218$609$102
Wisconsin$920$460$77
Wyoming$1,242$621$104

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ford Ranger, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford Ranger trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on February 20, 2022
Ford Ranger insurance rates by U.S. state