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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a Ford Ranger is $2,564 per year or $214 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2025 Ford Ranger costs $2,564, whereas the 2024 Ford Ranger costs $2,534 annually. This is $30 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 Ford Ranger at $1,766 per year.
Below, we'll look at Ford Ranger insurance rates and show you how to save.
Average insurance cost of Ford Ranger by model year
| Year of Ford Ranger model | Average cost to insure |
|---|---|
| 2025 | $2,564 |
| 2024 | $2,534 |
| 2023 | $2,420 |
| 2022 | $2,370 |
| 2021 | $2,298 |
Compare Ranger insurance rates by state
| Company | Average annual premium |
|---|---|
| State Farm | $1,955 |
| Travelers | $2,201 |
| Nationwide | $2,242 |
| UAIC | $2,634 |
| Mercury Insurance | $3,013 |
| GEICO | $3,018 |
| Farmers | $3,342 |
| Progressive | $3,639 |
| Allstate | $3,753 |
| AIG | $6,030 |
Ford Ranger insurance rates per year
2025 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,766 2 GEICO $2,112 3 Progressive $2,143 4 State Farm $2,225 5 Nationwide $2,514 6 Allstate $3,299 7 Farmers $3,643 8 USAA $1,783 2024 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,786 2 GEICO $2,075 3 State Farm $2,086 4 Progressive $2,180 5 Nationwide $2,637 6 Allstate $3,175 7 Farmers $3,551 8 USAA $1,905 2023 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,729 2 State Farm $1,936 3 GEICO $1,985 4 Progressive $2,195 5 Nationwide $2,432 6 Allstate $3,096 7 Farmers $3,368 8 USAA $1,954 2022 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,710 2 GEICO $1,950 3 State Farm $1,950 4 Progressive $2,119 5 Nationwide $2,415 6 Allstate $2,949 7 Farmers $3,290 8 USAA $1,875 2021 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,635 2 GEICO $1,865 3 State Farm $1,936 4 Progressive $2,014 5 Nationwide $2,430 6 Allstate $2,819 7 Farmers $3,125 8 USAA $1,791 2020 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,608 2 GEICO $1,845 3 State Farm $1,892 4 Progressive $2,056 5 Nationwide $2,390 6 Allstate $2,726 7 Farmers $3,068 8 USAA $1,790 2019 Ford Ranger insurance rates
Rank Company Average annual premium 1 Travelers $1,595 2 GEICO $1,766 3 State Farm $1,865 4 Progressive $1,936 5 Nationwide $2,190 6 Allstate $2,641 7 Farmers $2,906 8 USAA $1,701
Ford insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage