Best Ford Ranger Car Insurance in 2024 (Check Out the Top 10 Companies)

Top Pick for Ford Ranger: State Farm

17,759 reviews

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4.1

Company Facts

Full Coverage for Ford Ranger

$140/mo

A.M. Best Rating

B (Fair)

Complaint Level

Low

Pros & Cons

• Has the third-lowest average premium among the top 10 providers
• Consistently strong financial standing and solid rankings
• Policies are available in all 50 states
• Customers have a variety of online options and an easy-to-use app

• Rates can be pricey depending on where you live
• Could stand to offer more discounts, like federal employees, green vehicles, and occupational
• Limited add-ons available

» State Farm Car Insurance Review

17,759 reviews

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Best Military Benefits for Ford Ranger: USAA

6,435 reviews

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4.7

Company Facts

Full Coverage for Ford Ranger

$130/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Low rates
• Excellent customer Service
• Specialty military coverage

• No gap insurance
• Membership eligibility

» USAA Car Insurance Review

6,435 reviews

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Best Plans for Ford Ranger: Farmers

2,903 reviews

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4.0

Company Facts

Full Coverage for Ford Ranger

$150/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Excellent selection of discounts
• Variety of policy customization options
• Superior rating from A.M. Best for financial stability

• No gap insurance
• Rates are higher than the national average for most drivers

» Farmers Car Insurance Review

2,903 reviews

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Discover the best Ford Ranger car insurance options from State Farm, USAA, and Farmers, with rates as low as $70 per month from USAA.

Use our free online tool to compare Ford Ranger car insurance quotes from top providers. Enter your ZIP code to find the best prices!

Our Top 10 Company Picks: Best Ford Ranger Car Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	B	Comprehensive Coverage	State Farm
	#2	10%	A++	Military Benefits	USAA
	#3	15%	A	Customizable Plans	Farmers
	#4	12%	A	Flexible Policies	Liberty Mutual
	#5	20%	A+	Vanishing Deductible	Nationwide
	#6	15%	A+	Competitive Rates	Progressive
	#8	10%	A+	Senior Discounts	The Hartford
	#7	13%	A++	Car Replacement	Travelers
	#9	25%	A+	Safe Driver	Allstate
	#10	20%	A	Teen Drivers	American Family

Finding the best Ford Ranger car insurance can help you take advantage of these lower rates while ensuring your truck is fully covered.

This guide explains how factors like safety features and crash test ratings affect Ford Ranger insurance rates and answers the question, “What is a car insurance premium?.”

#1 – State Farm: Top Overall Pick

Pros

• Extensive Network of Agents: State Farm offers personalized service through a vast network of local agents, making it easy to get in-person help.
• Wide Range of Discounts: State Farm provides up to a 20% multi-policy discount, which helps lower overall insurance costs. Learn more in the article entitled “State Farm Car Insurance Review.”
• Comprehensive Coverage Options: Their B rating from A.M. Best reflects solid financial stability and reliable coverage, ensuring they offer the best Ford Ranger car insurance.

Cons

• Higher Premiums: State Farm can be more expensive than some competitors, especially if you do not qualify for discounts.
• Limited Policy Customization: While offering broad coverage, State Farm’s policy customization options may be less flexible than other insurers.

#2 – USAA: Best for Military Benefits

Pros

• Highly Rated for Customer Satisfaction: USAA consistently receives top ratings for customer service, reflecting its commitment to high-quality support.
• Exclusive Military Benefits: Their A++ rating from A.M. Best underscores their exceptional financial stability and support, making them an excellent option for the best Ford Ranger car insurance.
• Competitive Rates: USAA is known for offering some of the best rates for eligible members, helping keep insurance affordable for military families.

Cons

• Eligibility Restrictions: USAA is only available to military members, veterans, and their families, which limits its accessibility. You can learn more at “USAA Car Insurance Review.”
• Limited Physical Locations: USAA operates primarily online, so it offers fewer in-person service options than insurers with more physical branches.

#3 – Farmers: Best for Customizable Plans

Pros

• Customizable Plans: Farmers offers flexible coverage options with a 15% multi-policy discount, allowing for tailored insurance solutions.
• Vital Customer Service: Farmers is known for personalized service through local agents and ranks #3 for its customer-focused approach.
• Accident Forgiveness and New Car Replacement: Their coverage includes new car replacement, enhancing the policy’s value. Discover more in our article “Farmers Car Insurance Review.”

Cons

• Higher Premiums Without Discounts: Farmers can be more expensive than other insurers if they do not take advantage of available discounts.
• Average Online Experience: Farmers’ online tools and mobile apps are less advanced than competitors, which can affect the convenience of managing policies and claims online.

#4 – Liberty Mutual: Best for Flexible Policies

Pros

• Flexible Policies: Liberty Mutual offers a range of customizable options that allow for flexibility in policy choices. Read “Liberty Mutual Car Insurance Review” for more information.
• Accident Forgiveness: The insurer’s accident forgiveness policy helps prevent rate increases after your first accident, offering added peace of mind.
• Strong Financial Stability: Liberty Mutual’s A rating from A.M. Best reflects its strong financial stability, ensuring reliable coverage and claims support.

Cons

• Higher Premiums Compared to Competitors: Liberty Mutual can be more expensive than some other insurers, especially for drivers with fewer discounts.
• Mixed Customer Service Reviews: Customer experiences with Liberty Mutual’s service can vary, leading to mixed reviews regarding their support and claims process.

#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide’s unique vanishing deductible program reduces your deductible over time with a 20% multi-policy discount.
• Strong Customer Service: Nationwide is known for its reliable customer service, ensuring clients receive comprehensive support and assistance.
• Comprehensive Coverage Options: This company offers a wide range of coverage options, including roadside assistance and rental car reimbursement, enhancing the value of its policies.

Cons

• Higher Premiums: Nationwide’s premiums can be higher, especially for drivers who do not qualify for discounts. To compare prices, read this article “What car insurance discounts does Nationwide offer?.”
• Complex Discount Eligibility: Some discounts offered by Nationwide can be challenging to qualify for, which may limit savings opportunities for specific drivers.

#6 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive offers affordable premiums with a 15% multi-policy discount, making it a cost-effective choice for many drivers.
• Snapshot Program: The Snapshot program tracks safe driving habits and provides potential discounts, rewarding responsible drivers.
• User-Friendly Tools: Progressive excels with its advanced online and mobile app features, which make managing policies and claims easier.

Cons

• Inconsistent Customer Service: The quality of customer service can vary by location, leading to mixed experiences. To learn more, review our article “Progressive Car Insurance Review.”
• Rates Can Increase After Claims: Premiums may rise following a claim, potentially offsetting the benefits of their competitive rates.

#7 – The Hartford: Best for Senior Discounts

Pros

• Senior Discounts: Their senior-focused benefits make insurance more affordable, which is valuable for seniors seeking the best Ford Ranger car insurance.
• AARP Endorsement: Endorsed by AARP, The Hartford provides benefits tailored to seniors, including unique coverage options and discounts.
• Strong Financial Stability: Backed by an A+ rating from A.M. Best, The Hartford ensures reliable coverage and claims support. Read more at “The Hartford Car Insurance Discounts.”

Cons

• Higher Rates for Younger Drivers: Premiums can be higher for drivers under 50, potentially making insurance more expensive for younger individuals.
• Limited Online Tools: The Hartford’s online platform and mobile app may be less advanced than competitors’, affecting the convenience of managing your policy online.

#8 – Travelers: Best for Car Replacement

Pros

• New Car Replacement: This feature provides peace of mind for new car owners, making Travelers a strong option for the best Ford Ranger car insurance.
• Excellent Financial Stability: Travelers has an A++ rating from A.M. Best, which recognizes its strong financial stability and reliable coverage.
• Wide Range of Coverage Options: Includes valuable features like gap insurance and accident forgiveness, enhancing policy value. Explore our article entitled “Travelers Car Insurance Review.”

Cons

• Higher Premiums: Travelers’ rates can be higher, especially for high-risk drivers or those with less-than-perfect records.
• Complex Policy Terms: Some customers find the policy terms complex and challenging to understand, which may affect their overall experience.

#9 – Allstate: Best for Save Driver

Pros

• Safe Driver Discounts: Allstate offers a 25% discount for safe drivers, reflecting its commitment to rewarding responsible driving behavior. See other choices at “Allstate Car Insurance Review.”
• Extensive Network of Agents: With a vast network of local agents, Allstate provides personalized service and support, ranked #9 for its customer service and comprehensive coverage options.
• Comprehensive Coverage Options: Allstate offers a broad range of coverage options, including unique add-ons like accident forgiveness and new car replacement.

Cons

• Higher Premiums for Some Drivers: Allstate’s premiums can be higher than those of some competitors, especially for drivers with less-than-perfect records or those without access to discounts.
• Complex Claims Process: Some customers report that Allstate’s claims process can be complex and time-consuming, potentially leading to delays and frustration.

#10 – American Family: Best for Teen Drivers

Pros

• Teen Driver Discounts: American Family offers special discounts for insuring teen drivers, with a 20% multi-policy discount, making it an excellent choice for families with young drivers.
• Customizable Coverage Plans: American Family is known for its flexible and customizable insurance plans, Which allow policyholders to tailor coverage to meet their specific needs.
• Strong Financial Stability: With an A rating from A.M. Best, American Family provides solid financial backing and reliable claims support, ensuring policyholders’ peace of mind.

Cons

• Higher Rates for Some Policyholders: American Family’s rates can be higher for some drivers. Read more at “American Family Car Insurance Review.”
• Limited Availability of Certain Discounts: Some American Family discounts may be more complex to qualify for or not available in all regions, potentially limiting savings opportunities.

Ford Rangers Insurance Rates

The average Ford Ranger car insurance rates are $105 a month, making it an attractive option for those seeking the best car insurance for high-risk drivers. Additionally, the Ford Ranger’s safety features and overall reliability contribute to its affordability in terms of insurance costs.

Ford Ranger Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$88	$152
	$79	$146
	$80	$150
	$85	$155
	$78	$145
	$82	$148
	$75	$140
	$90	$160
	$76	$142
	$70	$130

The chart below details how Ford Ranger insurance rates compare to those of other trucks, such as the Honda Ridgeline, Chevrolet Silverado 3500HD, and Chevrolet Colorado.

Ford Ranger Car Insurance Monthly Rates vs. Other Cars by Coverage Type

This comparison can help you determine which truck offers the best balance of insurance affordability and coverage options tailored to your needs.

You’ll notice that factors such as vehicle size, safety features, and engine performance contribute to the variations in insurance premiums.

By reviewing this data, you can make a more informed decision on which truck best fits your budget and insurance needs. Additionally, comparing Ford vs. Chevrolet car insurance rates will help you understand how each vehicle might impact your overall insurance costs.

While the Ford Ranger might offer lower rates compared to larger trucks like the Chevrolet Silverado 3500HD, it’s essential to consider how specific features like towing capacity and accident history impact these differences.

Cost Factors of Ford Ranger Insurance

Proper coverage ensures that you are protected against unexpected costs and potential financial burdens in case of an accident or other issues.

The Ford Ranger trim and model you choose can impact the total price you will pay for Ford Ranger insurance coverage, which is why driving without insurance is a risk you should avoid.

From engine size to added safety features, these factors play a critical role in determining your insurance premium.

Whether you opt for a basic trim or a fully loaded version, each decision can affect the final cost of your coverage, making it essential to evaluate your options carefully. Additionally, specific models may qualify for discounts, further influencing your overall insurance rate.

Chevrolet Aveo Car Insurance Discounts by Provider

Insurance Company	Available Discounts
	Safe Driver, Multi-Policy, New Car, Anti-Theft Device, Good Student, Early Signing, Full Pay, Paperless
	Multi-Policy, Good Student, Safe Driver, Low Mileage, Defensive Driver, Young Driver, Loyalty
	Multi-Policy, Safe Driver, Good Student, Homeowner, Affinity Group, Alternative Fuel, Business and Professional
	Multi-Policy, Safe Driver, Anti-Theft Device, Good Student, New Car, Hybrid Vehicle, Military
	Multi-Policy, Safe Driver, Anti-Theft Device, Good Student, Paperless, Affinity Member, Defensive Driving
	Multi-Policy, Safe Driver, Good Student, Pay-in-Full, Homeowner, Continuous Insurance, Paperless
	Multi-Policy, Safe Driver, Good Student, Driver Training, Accident-Free, Anti-Theft Device, Steer Clear
	Multi-Policy, Safe Driver, Defensive Driver, AARP Member, Vehicle Recovery, Anti-Theft Device, Pay-in-Full
	Multi-Policy, Safe Driver, New Car, Homeowner, Green Vehicle, Continuous Insurance, Pay-in-Full
	Multi-Policy, Safe Driver, Good Student, New Vehicle, Military Installation, Family, Loya

If you are financing a Ford Ranger, most lenders will require you to carry higher coverage options, including comprehensive coverage, so be sure to shop around and compare Ford Ranger auto insurance quotes from the best auto insurance companies using our free tool below. Enter your ZIP code now to compare prices.

Taking the time to gather and analyze various quotes can not only help you find the best deal but also ensure you have the appropriate level of protection for your vehicle.

Age of the Vehicle

Older Ford Ranger models generally cost less to insure. For example, car insurance for a 2020 Ford Ranger costs $1,045, while insurance for a 2010 Ford Ranger costs $88, a difference of $16.

This reduction in insurance costs for older models can be attributed to their lower market value and repair expenses.

Ford Ranger Car Insurance Monthly Rates by Model Year and Coverage Type

Additionally, opting for liability-only coverage on older Ford Rangers can further reduce insurance premiums, making them a more budget-friendly option for drivers.

Top Ford Ranger Insurance Companies

Who is the top auto insurance company for Ford Ranger insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Ranger auto insurance coverage (ordered by market share).

It’s essential to compare these providers to find the one that offers the best combination of coverage, discounts, and customer service for your specific needs.

Ford Ranger Car Insurance Market Share by Provider

Rank	Insurance Company	Premiums Written	Market Share
#1		$65.6 million	9%
#2		$46.1 million	6%
#3		$39.2 million	6%
#4		$35.6 million	5%
#5		$35 million	5%
#6		$28 million	4%
#7		$23.5 million	3%
#8		$23.4 million	3%
#9		$20.6 million	3%
#10		$18.4 million	3%

Many of these companies offer discounts for security systems and other safety features that the Ford Ranger offers. These features, such as anti-theft systems and advanced braking technology, can help lower insurance premiums by reducing the risk of theft and accidents.

Additionally, demonstrating the use of these advanced features can further strengthen your case for obtaining lower rates from insurance providers.

Additionally, comparing cheap 4×4 pick-up truck car insurance rates can help you find the best coverage options and savings, making the Ford Ranger an even more cost-effective choice.

By exploring different insurers and their offerings, you can identify policies that cater specifically to your needs and budget. This thorough comparison not only enhances your understanding of the available options but also empowers you to secure a policy that provides excellent value without compromising on essential coverage.

Ultimately, investing the time to research can lead to significant savings while ensuring that you’re adequately protected on the road.

By taking advantage of these discounts, Ford Ranger owners can obtain more affordable insurance rates while enjoying enhanced vehicle safety. Additionally, leveraging these savings can help offset the cost of premium features and maintenance, making the Ford Ranger an even more cost-effective choice.

This approach maximizes the financial benefits of your insurance policy and contributes to long-term savings on vehicle ownership. Furthermore, it helps ensure that you are making the most of your insurance investment over time.

Some of the Features of the Ford Ranger

This truck can accommodate almost any purpose, depending on its intended use. It has a V6 engine in the XL or XLT option. Drivers can get up to 22 mpg in the city and 27 mpg on the open road.

It also has a five-speed manual or automatic transmission. It features 143 horsepower and can be ordered in either the standard cab or extended cab version. Enter your ZIP code to see if you’re getting the best deal on car insurance.

The interior features read like a car. The Ford Ranger’s interior includes leather seats, seven Pioneer speakers, side airbags, and a leather steering wheel cover.

The standard cab can hold up to three people while the extended cab has the capacity to hold seven. Safety features include ABS brakes and stability control. Standard wheels are 15-inch alloy. Other features are available to add to the base price for customization.

When choosing types of car insurance, it’s essential to consider how these features impact your coverage needs and potential insurance premiums, as additional safety features can sometimes qualify you for discounts.

Moreover, understanding how these features align with your driving habits and risks can help you customize your policy effectively. This proactive approach not only ensures you have adequate protection but can also make your insurance experience more economical in the long run.

Ford Ranger and Four-door Sedan Insurance Rates Difference

When companies calculate insurance based on the type of vehicle drivers drive, they have to consider several factors, including the vehicle’s safety and use under normal conditions.

By default, a pickup truck’s rear cargo bed means it will probably be used for more than passenger transport.

The design of pickup trucks makes them slightly less safe than the typical four-door sedan in terms of safety ratings. This can impact pickup truck car insurance rates, as insurers often consider the vehicle’s safety features and accident risk when setting premiums.

Insurance companies assume that they will be taking on a higher risk when cargo is transported, so it will cost more to protect a pickup truck in terms of collision and comprehensive coverage.

For some unknown reason, the IIHS didn’t take into account side impact or roof strength in the testing. Take the first step toward cheaper car insurance rates. Enter your ZIP code to see how much you could save.

As safety is a significant factor in determining insurance premiums, understanding these nuances can be essential when shopping for coverage.